davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-19
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

In 2007 my ex-wife and I divorced. I had XXXX vehicles under my name which were with XXXX XXXX XXXX as the cosigner, and Bank of America which I was the primary. The divorce proceedings lasted almost two and a half years. On the last day of the court proceedings I communicated with both creditors trying to salvage my credit as best I could. Both XXXX and BoA gave me no special treatment, their only advice was to pay both of the accounts in full by the close of the day, and the accounts can be removed from my credit bureau file after seven years has past from the XXXX deliquent reporting which was XXXX 2007 for BoA, and XXXX 2007 for XXXX. I agreed with both and settled both accounts immediately. The total pay off for both accounts was over {$30000.00}. The XXXX years has now past, and I have disputed the information with all three credit bureaus stating the allotted time has past and the accounts were paid in full. The returning investigation shows that the derogatory information has n't been removed but only updated. The first delinquency for the months of XXXX and XXXX 2007 now have been blacked out and report back " NO DATA ''. I have contacted both creditors asking why they have n't held up to the agreement made on the last court date. I have suffered with this on my credit report for the seven years, paid higher interest rates on everything I borrowed, or saved until I could pay cash long enough in the eyes of the law governing the credit reporting process. They have now changed the information in my files by deleting the XXXX delinquency, and therefor keeping me suffering with this on my file. Why and how are they able to do this? Are they able to do whatever they want regarding my information? They have to hold up to their end of the agreement and release me from my suffering. 

Bank of America acct # XXXX # ending in XXXX XXXX XXXX XXXX
Consumer complaint received 2015-03-23
Product: Bank account or service — (CD) Certificate of deposit
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (LA)

I went to cash in an original Certificate of Deposit from Premier/Chase bank which was issued in XX/XX/XXXX. I have received XXXX on the certificate through XXXX and none thereafter. I noticed that on XX/XX/XXXX XXXX, a zero was left off of the certificate number. Chase is claiming they have no record of my certificate and therefore are not responsible for returning my earnings even though I have the original and the back was never signed. It has been confirmed through unclaimed property that the funds were never turned over to the state, therefore Chase still holds my funds. The executive Dept. of Chase bank is claiming they are not required to keep my investment records past 7 years so I just lose my money even though the certificate states automatically renewable and has no expiration date. I am assuming my money is drawing interest all these years as this is the verbage directly on the document. I have been a customer with Chase for over 30 years and have always lived in the State of Louisiana. Contacting me was never an issue. My parents currently live at the address listed on the document. I have attached a detailed timeline along with scans of the certificate, which I hold the original, and XXXX forms. As you can notice on the timeline, this has been a very lengthy process, and I have exhausted every avenue possible with Chase in order to retrieve my investment funds. Chase is claiming that the funds were abandoned since there was no activity however the funds were never turned over to unclaimed property. I am certain that purchasing an investment cd is specifically designed not to be touched in order to achieve maximum benefits which is the reason there was no activity and it clearly states " automatically renewable ''. If indeed Chase did decide these funds were abandoned, what are the guidelines they must follow to turn the funds over as unclaimed and how many years are they required to keep records? Is Chase not responsible for giving me information as to what they have done with my funds I entrusted to them as an investment? Are they allowed to " lose '' someone 's money and not be held accountable?
Consumer complaint received 2024-09-28
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Eastern Account system XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing in response to your recent communication regarding the alleged debt referenced above. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting validation of this debt. 

Please provide the following information as validation : 1. **Proof of the Original Contract** : A copy of the original signed contract or agreement that bears my wet ink signature, showing that I entered into an agreement with Eastern Account system. Without this, I have no legal obligation to recognize this debt. 

2. **Verification of the Amount Owed** : An itemized accounting of the amount claimed, including any interest, fees, or other charges applied to the original amount. 

3. **Proof of Authority** : If you are not the original creditor, provide documentation showing your authority to collect on this alleged debt, including any chain of title or transfer of ownership. 

4. **Verification of Identity and Address** : Confirm that you are attempting to collect from the correct individual by providing information verifying my identity as associated with this debt. 

Please be advised that until you provide the requested documentation, you must cease all collection activities, including reporting this debt to any credit reporting agencies. Any attempt to collect or report this debt without proper validation may be considered a violation of the FDCPA and could subject your organization to legal action. 

I request that you respond to this request within 30 days of receipt. If you can not validate the debt as outlined above, I expect this matter to be closed and any negative marks on my credit report removed. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2015-08-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NY)

To Whom It May Concern : My name is XXXX XXXX as of XX/XX/XXXX, i live at XXXX XXXX XXXX XXXX, XXXX, XXXX, I 've lived at my address for 21 years Its my primary residence, XX/XX/XXXX, I was in XXXX, trying to get equity line for {$60000.00}. I put my application in Wachovia Bank Mortgage and after a month they call me they tell me the loan is approved come get that {$60000.00}. When I go there they tell me to sign documents for that {$60000.00} they mislead me, Its fraud which I think that bank do to me, at the closing they told me there going to send me, {$60000.00} at my address, After I finished sign all those papers, I go home and discuss that with my son. My son tell me to cancel the loan, the next day after, I go to the place where I signed application for that loan to cancel that loan. They give me the phone # to call that bank, to cancel the loan so when I called them they say they will get back to me, as well as closing the loan they suppose to give me the form that should give me the ability to cancel the loan, they do'nt give it to me, I went back to Wachovia bank and it was coverted to WellsFargo Bank , also they told me that they pay XXXX XXXX XXXX , the loan # they say I had with XXXX XXXX XXXX , they made up by themself, I never had that loan # with XXXX XXXX XXXX also tell me I never have that loan # which the loan # that Wachovia Mortgage say they pay on my behalf, that loan # XXXX XXXX XXXX XXXX XXXX # with them, they say XXXX XXXX XXXX XXXX #. I believe that Wachovia Mortgage and WellsFargo want to foreclose on my house for the loan they charged me for they never give me any money for that loan also they never pay XXXX XXXX XXXX balance in behalf of me for XXXX. I spoke to XXXX XXXX XXXX about that they say they are not aware of that loan also the bank, WellsFargo recording title on the name XXXX XXXX XXXX in order to get money from me. I think thats fraud. I talk to XXXX XXXX XXXX about the payment WellsFargo claim they pay to XXXX XXXX XXXX in behalf of me. I ask WellsFargo for proof they paid, XXXX XXXX XXXX in behalf of me by sending me a photocopy of the canceled check they pay to XXXX XXXX XXXX. XXXX XXXX XXXX tell me they never received the money from WellsFargo only one way to prove by send me the canceled check. They send me all those documents except the canceled check. I ask them to send to me that they paid XXXX XXXX XXXX in behalf of me, I think thats my right for WellsFargo to send me the canceled check they claim they pay to XXXX XXXX XXXX. If they do not send me that canceled check, the resolution is that they have to pay me XXXX for damages they cost my life, also i can be contacted at my phone # XXXX, Thankyou.
Consumer complaint received 2015-05-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TX)

I disputed a 30 day late pay on XXXX. It is being reported XXXX 2010- I was in chapter XXXX bankruptcy and should be protected as this account was included in bankruptcy. The account has been paid off. I would like the late pay removed as al payments were submitted in my bankruptcy plan.
Consumer complaint received 2024-09-28
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC. (CA)

Good afternoon- I attended XXXX XXXX XXXXXXXX dating way back to about 2007. My loans are higher now than when I took them. I have paid on and off over the years. I was talked into forbearance without Navient offering me other repayment options. My understanding is a Class Action was settled and I am trying to get my loans discharged if falls under that Class Action? My original loan amounts were roughly XXXXXXXX XXXX 2007 and I now owe over XXXX. Please help. It has been 17 years and my balance never went down. 

Thank you! 

XXXX XXXX
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I received my credit report and noticed that, for the third time, a fraudulent account is appearing, I have tried before to get this deleted. It's not mine. 

I command you to delete the accounts listed below : Account Name : XXXX. 
Account Number : XXXX. 

I request that you reinvestigate the completeness of every piece of information and if it's not accurate, please remove it from my credit report. 

Based on consumer law, 15 U.S. Code 1681iProcedure in case of disputed accuracy, if you can not verify the accuracy of the information within 30 days, please remove the account from my credit report. 

Thank you for your time and consideration in this matter. I look forward to hearing back something positive.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

Credit Bureau is currently reporting two accounts that were closed as open with balances showing that they are currently late. These accounts were charged off and companies receive tax credit from irs. I requested a 1099c from the creditor and they fail to furnish then Equifax lists the account was open making it look like there are current late payments when these accounts should marked closed with a XXXX balance XXXX XXXX  {$1500.00} listed as open account charged off and balance should be XXXX and XXXX XXXX charged off XXXX and is still showing a balance of {$16000.00} and no Equifax has listed this account as open this is the only bureaus that has not corrected their issue and has violated 15 U.S.C 1681 and I request that these accounts be removed from credit immediately
Consumer complaint received 2015-03-21
Product: Bank account or service — Cashing a check without an account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I just had the worst experience with a bank branch manager. I was trying to cash a check from my dad and XXXX who says she 's a branch manager refused the cashed the check. I told her that I would file a complaint and remember her name and instead of acting in a professional manner and controlling the situation she decides to scream out that I was a fraud in front of all the customers. I think it 's very rude, and she was speaking to me in a very very condescending manner and its very unprofessional of her that she would accuse me of fraud and not call and verify with my dad on the phone and also accuse me of a theif in front of everyone. I have no reason to steal my dad is a XXXX and does n't know XXXX and I 'm trying to help him pay his bills while these people are accusing me of fraud. She was so unprofessional I thought I was in the hood not at Bank of America. I do n't know what type of people is representing the company. 


XXXX XXXX Manager atBank of AmericaXXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2015-05-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Credit Protection Association, L.P. (DC)

This complaint arises out of a dispute I sent the collection agency after finding out inaccuracies in my credit report. To date, they have not sent a response to validate the debt. I believe this debt to be not mine but rather was obtained illegally ( identity theft ) by someone who used my name and social security number to obtain cable services. I have another complaint filed with another collection agency for the same original creditor ( XXXX ). I would like to get a copy of the original bill from the creditor so that I can move further with disputing the debt. Attached is the letter ( with attachment ) I sent to the collection agency.
Consumer complaint received 2015-08-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: General Motors Financial Company, Inc. (FL)

On XXXX/XXXX/2015 I received a call from XXXX in which this message was left. Hello my name is XXXX I am trying to contact XXXX XXXX to get a message to XXXX XXXX ( inaudable ). XXXX XXXX you were placed as a person of reference by XXXX XXXX ( inaudable ) and I would like you to call me back at XXXX at extension XXXX again my name is XXXX. No mention of the company however I later found out it was GM Financial. I believe the laws protect me from no more than XXXX phone call as a third party and that debt collectors are not allowed to leave messages with a third party asking them to contact them?
Consumer complaint received 2016-02-24
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Legal Recovery Law Offices, Inc (CA)

XXXX XXXX XXXX is the attorney representing XXXX XXXX, who has sued XXXX XXXX.over debt collection.The suit was filed XX/XX/XXXX.XXXX was not aware that the suit has escalated to the point of a bank levy, which was withdrawn from XXXX 's bank account out in XXXX 2015 without prior notification.the levy included the amount owed, interest, attorney & court fee, the total amount being sued is almost double the amount owed. Since the withdrawal of the levy in XXXX 2015, XXXX has attempting to contact XXXX with the assistance of my daughter, XXXX XXXX, in the hopes of resolving the case. XXXX ca n't reached directly through the number provided.Representative of his firm answers the phone and the representative explicitly states that they ca n't provide a number to which he can directly be reached.They ca n't put in such request giving the reason that XXXX are very busy or out the office.
Consumer complaint received 2015-12-07
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BBVA FINANCIAL CORPORATION (TX)

My name is XXXX XXXX. I have been a customer of BBVA for many years. I have a consumer complaint against BBVA based on the following : I had an annuity with XXXX XXXX at Compass Bank since XX/XX/XXXX. It was giving me 5 % interest. 
The initial investment was {$150000.00}. By XX/XX/XXXX it grew to {$160000.00}. The financial advisor at Compass bank encouraged me to transfer that money to a better investment and it would double in value. I had expressed to him that I wanted to leave this money to my grown children. He said you can " pass the wealth '' without worrying about them paying taxes after you die. The transaction had to be done before my XXXX birthday otherwise I would not qualify to get it. My birthday was two weeks away. I felt pressured but try to comply. He said XXXX XXXX XXXX XXXX was best for me. I believe he used to work for that company before coming to Compass. It took one day to do the transfer. After two weeks, I received my portfolio on XXXX XXXX XXXX XXXX. The financial advisor gave it to me and asked if I had any questions. I told him I had to take it home and read it before I could ask questions. The new insurance has a 13 day period to decline otherwise the insurance kicks in. I did n't have enough time to go over the insurance and come to talk to him because he gave me the insurance a few days before the expiration period. Now I find out the state allows a 30 day period to accept or decline. 

This year, I get the form from XXXX indicating I owe the IRS {$4000.00} in taxes based on this transaction. How can I owe the IRS money I never spent. The check from XXXX went to my checking account. The financial advisor took that money to open the new investment. I never signed any check from XXXX. In addition, I found out that the surrender charge from XXXX was over {$9000.00}. Had I known this information, I never would have done this transaction. I feel violated. I am a XXXX citizen who has worked very hard for every penny I have. My husband is suffering from XXXX. The financial advisor failed to disclose to me the product he pushed to sell me. I was never made aware of the surrender charge or that the transaction would be a taxable event subject to IRS liability. 

This is a very serious matter and want the bank to return that money to me because the financial advisor was sloppy, not able to disclose, explain or show interest in what he was doing, otherwise, this never would have happened. XXXX abuse occurs every day and it must be looked at and corrected.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I received my credit report and noticed that, for the third time, a fraudulent account is appearing, I have tried before to get this deleted. It's not mine. 

I command you to delete the accounts listed below : Account Name : XXXX  XXXX. 
Account XXXX : XXXX. 

I request that you reinvestigate the completeness of every piece of information and if it's not accurate, please remove it from my credit report. 

Based on consumer law, 15 U.S. Code 1681iProcedure in case of disputed accuracy, if you can not verify the accuracy of the information within 30 days, please remove the account from my credit report. 

Thank you for your time and consideration in this matter. I look forward to hearing back something positive.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (VA)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2015-08-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Impersonated an attorney or official
Company: Alliance One, Inc. (WA)

I have paid all Alliance One debts in full. This company is state ran and in no way do they want to let the debtor off the hook. I set up a payment plan ten years ago paying XXXX per month. Ten years later I 'm notified my balance is XXXX but the start ball was XXXX? After ten years payments well then I 'm told that the payment plan set up by alliance one was not even covering the intrest so my balance grew each month for ten years!!!! I have tried to settle this debt with no luck. Last month I paid almost XXXX to remove these derogatory remarks from my credit history. Almost a month later nothing has been removed. Please help me fix this bad debt collector from my credit. I always pay on time and always take responsibility for my debts. I am XXXX wanting to buy my first home. I have almost XXXX in cash but because of these bad remarks no lender will touch me. Help please I want to give my family a home. 
XXXX XXXX
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

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. 

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

15U.S.C 1681 Section 604 A Section2 : 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 conviction of crime which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information related 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 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name : DPT ED/XXXX Account Number : XXXX