davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-13
Product: Other financial service — Traveler’s/Cashier’s checks
Issue: Customer service/Customer relations — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On XXXX XXXX, 2016, I went to the Bank of America in XXXX XXXX XXXX XXXX, MA XXXX US to cash a check that I received from Tuition reimbursement from employer, the cashier ask me if I have a account with BOFA I said no and he proceed ask me to put my finger into a ink and put into to the check and a XXXX dollar fee was going to be charge. 

I did all the procedure he asked and he grabs the phone on the wall and called the manager to look my check. 

Here is the worst part started the Manage, XXXX XXXX, Assistant Vice President, Financial Center Manager. 

He also had my Government ID in his possession and declined to cash my check. 
He also told me that he was going to call the company from the check and I told him that was fine if he want to call and he went inside and come less then 1 min he never call the company and looked in the computer again and decline for no reason to check my check. 

I proceed ask the Manager if he can explain me why his not going to cash my check and he said he can not change the check and can not give any reason. 

When I told him that I was going to file sue on the Bank him he told me to leave the bank and not come back to cash my check again. 

This is not the first time I have problem with Bank Of America I had similar experience couple year ago and never come and said anything, so this time will be different I will publish in all social media this discrimination. 

I was with my XXXX daughter with me and she started cry in the bank with his arrogant attitude and screaming on us to leave the bank. 


One thing I am sure that my check has fund and he discriminated me and my daughter at the Bank of America in XXXX XXXX XXXX XXXX, MA XXXX. 

He does not give me any reason why he could not check my check and I am planning to sue this Bank for Discrimination.
Consumer complaint received 2016-11-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (CA)

I was doing a loan modification and was told not to make any payments. During this time, the bill became so high that there was no way to pay over {$150000.00} on past due payments. I finally got it completed, did my three ( 3 ) trial payments and then was sent new loan docs. I signed and sent back to Chase bank. During the time the docs were sent back, the loan was transferred to another servicing agency called XXXX XXXX XXXX. They knew of the status and kept pushing back the sale date since we were both waiting to have Chase upload the docs and then get them to them and then I can start making my payments. Roughly 5 or 6 months go by and I call in as usual expecting the sale date to be postponed once again and this time was told that it is to late and Chase told them to foreclose. This was 3 days before the sale date and they did this knowing I could not pay over {$150000.00} to get current or time to get an attorney to file anything to stop it. So myself and my XXXX children were kicked out of our home. They also mis-calculated my property taxes and then added more taxes onto the original note.
Consumer complaint received 2024-10-03
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. (AZ)

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Consumer complaint received 2016-10-24
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I sent Bank of America a letter XXXX XXXX, XXXX which I got from the Credit Card Agency stating that I have no money to pay and that I 've become totally & permanent XXXX. My XXXX income are totally used up covering my minimal expenses. I asked to close my account, cease and desist from all future attempts to collect on my balance. Do not attempt to contact me by phone and do not discuss or contact anyone regarding m account. I received a letter XXXX XXXX saying they 'll stop communicating and updated their records. Said collection calls & letters have been suspended as I requested. I sent in a complaint XXXX/XXXX/XXXX to submit a complaint about contacting the credit card and consumer reports. In their response they also said my card was still valid. Said credit was extended to me, and this constitutes an extension of credit under federal law and is governed by federal and applicable state law. I did go over my limit when I had to pay for gas. I did n't ask them to up it. I was paying minimal to get it paid off. The interest rates were going up slowly and slowly. Said I was a customer since XXXX. I 've been a customer since XXXX XXXX.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX XXXX
Consumer complaint received 2016-07-12
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO. (NY)

This seemed too petty to complain about at first, but then I realized they are doing this to thousands of people, I have a XXXX XXXX Chase credit card. With this credit card, I am promised XXXX free passes to XXXX XXXX XXXX. Then, I find this cheap airline ticket to XXXX through XXXX. I have the XXXX XXXX terminal, it 's overcrowded and you end up paying {$3.00} for a brown banana. But that does n't matter, because, hey I 've got this pass for the XXXX XXXX. 

Except I do n't. I find out when I get there .. I 've seen no other notice ... that pass members are not allowed to access the club. I am not allowed access and not offered compensation. Now, this is understandable, as there is verbiage about " availability '' in the pass notes. But here 's what infuriates me : the reason was because of renovations. They closed all the Clubs to one-time passes in all XXXX of their XXXX hub clubs for a cause under their control. They **planned** a shortage of capacity -- the weather was fine and travel conditions normal -- and solved their problems at the expense of low-priority customers. Customers who had no realistic way to know they did this. This is an ongoing condition. Customers lured into flying through XXXX under these conditions should receive compensation. It 's worth noting that I checked and it was an option to pay {$59.00} for club access in XXXX online. If it was so crowded, why was that allowed?
Consumer complaint received 2016-05-23
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: MiraMed Revenue Group LLC (IL)

This company called XXXX XXXX ( I think ) calls me every business day, sometimes several times a day. They are looking for an XXXX XXXX and I have told them several times that I am not him. My name is XXXX XXXX and I have had my number for 27 years.
Consumer complaint received 2017-03-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (CT)

My loan was transferred from XXXX to Fedloan in XXXX, a couple weeks before my XXXX due date. The amount of my XXXX bill was incorrect. I had been paying about XXXX a month on revised XXXX, but the loan said I owed XXXX under XXXX. I called Fedloan and told them the amount due was wrong. They agree but blame XXXX for convening the wrong information to them. They told me to submit a request for recertification of my IBR. I did so, but a week later, as the due date wa approaching, the amount was still the same. I called Fedloan again and this time was transferred to a supervisor. They said they would rush the recalculation of my loan payment then put in an override to change the XXXX amount even though the bill had already been issued. They told me to check again in 10 days if the amount had n't changed. Ten days passed and the loan is now past due, the amount has n't changed and I call again. I am asked if I want to forebear, which I do n't want to do because I am doing PSLF and a missed payment sets me back. I am transferred to a supervisor who tells me that there is a note in their system from the first supervisor, but that what she offered to do is not possible. I need to speak to a PSLF supervisor. I am transferred there. That person offers to override the XXXX amount, but says it will take a week or two. I expressed concerns about my credit rating or any penalty for being delinquent and he said there will be no negative effect as long as the issue is resolved before 90 days past due. 
I waited the week he says to wait. My account is now quite past due, which is nerve wracking to see every time I log on to check. I called again and was told to forebear again. I was transferred to a supervisor who said he can not help. I was transferred eventually to a PSLF supervisor ( which I asked for for originally ) and was told yet again that even though there is a note in the system about the issue, that the override request was never actually submitted by the supervisor I spoke with. I was also told that because the loan is more that 15 days past due they can no longer do an override without it taking months. Instead they can forebear my loan, which I refuse to do. Eventually they suggested forebearing just XXXX and doing an override on it, which takes 6 months. In the meantime I can make payments on the other months as they bill, and then when the new XXXX amount is processed I can pay it and it will count as a payment toward PSLF. I agree to this, but the amount due and my delinquent status remains the same. I am now 28 days past due.
Consumer complaint received 2016-05-24
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: LOBEL FINANCIAL CORPORATION (TX)

I traded my Ford Focus in a dealership in XXXX tx called XXXX for XXXX $ credit tears my new car loan. That car loan was supposed to be for a jeep commander 4x4 sport year XXXX. I asked were is the 4x4 switch on the car. I was informed by XXXX that it was automatic. Come to find out 4 months later even though it had the 4x4 symbol on the back and the contract said it was a 4x4 sport it was not at all it was just a basic jeep commander. When I contacted the finance company they blamed the dealership but acknowledged it was a invalid contract and I asked them if I surrendered it would I owe anything they said no. By the contract saying it was a 4x4 sport it made it cost XXXX more. I looked at my credit 2 days ag and they said on my credit I owe the finance company XXXX dollars. If this is an invalid contract and it says something completely different than I bought I do n't feel I should lose the money I traded my car in do the four payments I made and also owe XXXX $ to the finance company.
Consumer complaint received 2024-10-22
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc. (PA)

I, XXXX XXXX, utilized my XXXX credit card ( Comenity Bank ) on XX/XX/XXXX to purchase a rug. The rug was delivered and upon receiving the item, I realized that the rug was faulty before taking it out of the packaging completely. I filed a return through XXXX and was provided a XXXX shipping label on XX/XX/XXXX. The tracking number for the return was XXXX. I returned the item to the local XXXX hub within XXXX week of receiving the return label. 

A few months go by and I start to receive notices that my balance is past due. Upon reviewing my account, it reflected that my return had not been processed and applied to my account. The rug was the only item that had been charged to the card. After numerous hours on the phone with multiple representatives over the span of months, XXXX refused to apply my return to my account. 

I again reached out in XXXX of XXXX, via e-mail, in regards to my missing item and refund, as XXXX/Comenity continued to charge me interest and fees on the balance that was still outstanding for the missing refund. The e-mail read as follows : " Thank you for contacting XXXX. Please send me the tracking information or tracking number of your order that you returned to us, I do apologize for the inconvenience but rest assure that we will process your refund. Once I got the tracking details I will process the refund and it will only take XXXX business days for the complete refund to your original mode of payment. Thank you for your patience and understanding. 

Best Regards, XXXX XXXX XXXX XXXX '' After providing the tracking number I was still denied the promised refund of my money for my return via a follow up e-mail from XXXX as follows : " Hello XXXX XXXX, We partner with multiple company warehouses. The only way a return goes through our system is if we have the tracking number on file. If a label is to arrive at our partner warehouse and we were not informed of the tracking number from you, the order does not link to your return within our system. It looks like we provided a label for use and the label was not used. based on our system you already provided the XXXX of the product. Please provide the tracking number used to return your item to link the return to your item and complete out the return. 

Have a wonderful day! 

Sincerely, XXXX XXXX XXXX '' XXXX failed to appropriately credit my return to my account and then claimed that the tracking information was no longer retrievable and therefore would be denying my refund. So now as the account sits, I am out the item, the money that I paid for the item, along with interest/additional fees, and the account was subsequently charged off, which damaged my credit. 

I have attached a copy of the current status of the XXXX  account, which I have also disputed through the three major credit bureaus for fraudulent actions and incomplete reporting under the FCRA guidelines, which came back as " verified ''.
Consumer complaint received 2024-10-22
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I was attempting to return some items at the store and I was told that my account did not exist and that my refund was going to a gift card I did not own a gift card or request one and there is not one on my account. When I receive my bill I noticed that I had been credited for the returns but it never credited back to the original payment method which was closed by Capital One and a new card was issued. The old card ending in XXXX. The new card ending in XXXX. I do not have a gift card ending in XXXX. I don't think I should be on the phone trying to get my money put back to the original payment method I am requesting that either I get a check for a refund or it goes back to my original payment method. I will send a bill for {$560.00} that is a cooling interest and my money is being tied up my refund is being tied up in a gift card I can not afford this type of hardship.
Consumer complaint received 2016-05-23
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (CA)

I went to open an account with Chase Bank in the XXXX XXXX XXXX shopping center in XXXX XXXX, CA. I had opened a business account and disclosed I had been a victim of severe identity theft by a career criminal. I stated not only accounts were opened in my name but also, checks had been compromised and other information with other accounts. I assumed I had been red flagged by Chase and asked to provide the information proving the derogatory issue was not my fault. Not only did they refuse to disclose they had put my personal information on restriction, they had also refused to review anything regarding changing their relationship with me. I made an identity theft report with them and everything. This is not a friendly bank to do business with at all. Customer service refused to disclose any policy whatsoever. They told me to check the credit bureaus, XXXX and told me they could not say whether any of those influenced their decision. Chase went out of the way to keep me from resolving the matter and I was furious.
Consumer complaint received 2017-03-27
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: American Accounts & Advisers, Inc. (MN)

Re : response to complaint XXXX. 
My letter dated XX/XX/2017 is requesting you provide me with the contract I have signed with American Account & Advisors , Inc. that I owe the debt to American Account & Advisors , Inc.. You stated you sent me an itemized statement on XX/XX/2017, this has not been received. In addition, sending an itemized statement is not a binding contract which you are required to provide to validate the debt. 
Since you are unable to provide evidence of a contractual obligation to pay American Account & Advisors , Inc. the debt, you are required by Federal Law to remove these items from my credit report. 
The following accounts must be removed immediately : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 
If items are not removed by XX/XX/XXXX I will be filing small claims action against American Account Advisors Inc. & XXXX.
Consumer complaint received 2024-10-14
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. (NY)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-10-14
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. (FL)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2017-08-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Financial Management Solutions, LLC (VA)

I had to move due to a XXXX XXXX situation. Upon moving, I IMMEDIATELY called the rental office to report that I had moved from the residence. I was told by the office manager that because I was breaking the lease ( due to having to flee ) I would be responsible to an additional months rent as an " early termination fee ''. Never received a bill after our conversation, and then it reports to my credit for XXXX! I do agree because I was breaking the lease I am responsible for an additional month. I looked up the laws in the state of Maryland it states " * They can break their lease no matter how long it is without penalty if they have a protective order and give the landlord 30 days notice. Tenants will only be responsible for a months rent and repairs to damages, which can be deducted from security deposits. "