davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

On XX/XX/XXXX I deposited accidentally to my Bank of America account a check from my XXXX account for XXXX dollars. The XXXX account was closed recently before this transaction. After deposit the check on the atm I made a cash withdraw for the same XXXX. I just simply had messed up. But, when I realized that the XXXX check didnt clear and I was negative in the Bank of America account, immediately I made a deposit in cash to bring the balance back to positive. 
But- they closed my account and report me to check systems for fraud not able to open another for 5 years. If a moment of not thinking cost me this situation Im in, how about those banks which American citizens had to bailout their debt in XX/XX/XXXX? What I should had done?
Consumer complaint received 2023-03-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: West Central Texas Collection Bureau (TX)

I am writing to bring to your attention a matter of concern regarding a collection company that has not responded to a verification letter regarding an account that is being reported on my credit report. 

As per the Fair Debt Collection Practices Act ( FDCPA ), I sent a written request for verification of the debt to the collection company in question. However, it has been several weeks, and I have not received a response from them. The account in question has been appearing on my credit report, which is causing me great concern. 

I believe that this collection company is violating my rights under the FDCPA by not responding to my request for verification. I understand that it is my right to request verification of any debt that is being collected from me, and failure to respond to this request is a violation of my rights as a consumer.

I would appreciate it if the Consumer Data Protection Bureau could look into this matter and take appropriate action to ensure that my rights are protected under the FDCPA. I believe that it is essential to hold collection companies accountable for their actions, and I hope that you can assist me in this matter. 

Thank you for your attention to this matter.
Consumer complaint received 2023-03-12
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Capital One Auto Finance. Account was opened XX/XX/XXXX. Paid off XX/XX/XXXX. They sent a Letter Offering a settlement The balance was {$15000.00}. I paid them the settlement amount of {$6000.00} dollars to account number ending XXXX and they sent me a Letter proof of paying off the car as well as received the Titled. 

The Letter states Upon payment of the Settlement amount noted above, Capital One Auto Finance will consider your account as settled for less than Full balance. You will not be responsible for paying the remaining amount on your account. This was never reported a problem to my credit Report until I bought my First home XX/XX/XXXX. I never had a issue with Credit. The Car was paid off and now it says account open/closed 180 days past due, I owe {$14000.00} and that is Fraudulent. Upon Paying off my Car I have been working hard to keep my Credit Good Retirement will be soon. I just bought Home with a 98 % payment history. Please can you Help me get this off my Credit and return my XXXX points Points back up. 

Thanking you in Advance, XXXX XXXX
Consumer complaint received 2023-03-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

My complaint stems from confusion about a letter received by the bank. I am struggling to make my mortgage payments as XXXX  has impacted me physically and financially. I applied and have been approved for the NYS HAF program with the assistance of the local Belmont Housing Services. I received a letter dated XX/XX/2023, from the bank regarding the program but was conflicting as to payments. The bank advised they would handle any mortgage payments sent to us while regular payments are being made through the HAF program. Subsequently, it stated to remain in the program I must continue to meet eligibility criteria and comply with my agreement. Further, the letter states mortgage payments are not required to be made to Bank of America which I had been doing so.
Consumer complaint received 2023-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (MA)

Affirm reported an account as charged off on my XXXX  credit report. No account number was furnished. The said balance was {$290.00}. Although the payment status of said account is reflected as " Paid account/was a collection account, insurance claim or government claim or was terminated for default ''. The last monthly reports for XXXX and XXXX stated that the account is still showing as Charged off and not in good standing as it should for a paid account. This is in violation of the agreement proposed by affirm to settle part of the balance to report the account as paid and in good standing. 

Additionally, there was another account with a balance of {$520.00} settled on the same day which is showing as 90 late on XXXX and Charged off on XXXX. These are in contradictions with the timeframe of the settlement and payment.
Consumer complaint received 2018-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CO)

I have made a payment to CITI Advantage on my husband credit card via the XXXX XXXX Online payment system. The {$2000.00} was to be delivered to CITI on XX/XX/2018. I was told that CITI can not find the payment. After numerous phone calls including two conference calls initiated by XXXX XXXX to CITI and myself but no results. I was to get a conditional credit on the account until the issue was resolved but that did not happened. The answer is always call back in a week. Today I was told to check the XX/XX/2018 statement. I am getting the run-around with this issue. They do not hesitate to charge interest and late fees since that is in their program but the consumer has not options.
Consumer complaint received 2018-08-06
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: Experian Information Solutions Inc. (SC)

XXXX XXXX XXXX updated my credit file in XXXX of XXXX to reflect their reporting to show the account current with them until XX/XX/XXXX and then changed it to charged off status at that date. This is multiple violations ; re-aging, false reporting, and malicious injury. 

The actual date of closing is reported correctly to XXXX on XX/XX/XXXX, not XX/XX/XXXX as reported to Experian. All of Experians phone numbers do not go to a live person and through their online system they have refused to address my concerns. Including this debt being discharged through a XXXX which pursuant to IRS bulletin XXXX should have already showed a zero balance. Based on the fictitiously reported information, and inactivity of the CRA to address or correct this for months I demand immediate removal of this account from my Experian Credit Report.
Consumer complaint received 2023-03-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Running my credit report I notice that I had accounts that I did not authorize or know anything about thats was in collections and did not belong to me. I then proceeded to make a police report and call all three credit bureaus to let them know..
Consumer complaint received 2023-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IN)

XX/XX/2023 I contacted Experian to dispute a address of ( XXXX XXXX XXXX XXXX, IL XXXX ) not belonging to me. 

XX/XX/2023 I contacted Experian to dispute my name XXXX XXXX being displayed as ( AKA ) XX/XX/2023 I was sent a email alert about my dispute XX/XX/2023 I log into my Experian account to notice that the address of ( XXXX XXXX XXXX, IL XXXX was removed. But ( XXXX XXXX XXXX XXXX, IL XXXX was added. 
XX/XX/2023 the ( XXXX XXXX XXXX XXXX, IL XXXX ) wasn't on my report. This was added by Experian. 
XX/XX/2023 Experian added ( XXXX  XXXX ) to my report stating this is my ( AKA ) XX/XX/2023 This wasn't on my report. This was added by Experian.
Consumer complaint received 2023-03-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: FC HoldCo LLC (NC)

I am a XXXX  ( XXXX ) in the XXXX XXXX XXXX and throughout my career have never had an issue when it comes to being activated and requesting coverage under the Servicemembers Civil Relief Act ( SCRA ) until recently. On XX/XX/2022, I submitted a request to XXXX XXXX XXXX, who owns my vehicle loan, requesting SCRA coverage due to my activation and receiving a copy of my deployment orders. Flagship sent me a letter in the mail a few weeks later saying I was not eligible. I called the bank in XX/XX/XXXX to inquire as to why I was not eligible and the customer service rep told me I was not eligible when they ran my name through the system they use to verify eligibility. I explained I am not sure why it would say that, and referenced the copy of my orders I submitted to them for reference, proof of my eligibility. I decided to call back at another time, hoping to speak with someone who would be more knowledgeable about the SCRA  coverage for military members. I called back a few weeks later in XX/XX/XXXX, and again was told I was not eligible and needed to get a letter from my commander proving I am eligible. I called the base legal office asking for further guidance and was told to file a complaint since this is a direct violation of the SCRA act, and in the meantime they will assist me with drafting up a letter to have my commander sign to send to the financial institution. The XXXX I spoke with, said this is rare any business would push back when it comes to SCRA. I am submitting this complaint in hopes other service members do not give up if any financial institution pushes back against the SCRA.
Consumer complaint received 2023-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Spring Oaks Capital, LLC (MI)

This account has been closed and it continues to show up as deragatory on my account. It shows open on credit report. This account was opened in XXXX of 2017 and shouldve been closed. Everything about it is wrong.
Consumer complaint received 2023-03-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (CA)

I have both personal and business checking accounts and credit cards with Chase bank- have been a customer for 10+ years. 

XX/XX/XXXX ( XXXX PST ) : I received four ( 4 ) emails from Chase that my contact information, email address, and phone numbers were changed. Note that I personally did not initiate, request, or approve of these changes. It was clear that someone had access to my account, first requested a change to my contact info and email address and subsequently changed my password. 

I was then locked out of my account, called a customer service representative through the credit card line at XXXX ( XXXX XXXX XXXX XXXX ) since the fraud department was closed and that representative helped me reset my password and gain access to the account. 

The following day ( today, XX/XX/XXXX ) I contacted Chase 's fraud department for several hours trying to understand what happened. After going back and forth with customer service representatives, they revealed that the fraudster called their customer service line, bypassed the security question ( via public record knowledge ) and was able to change the contact info without any additional security verification or measures in place. This all happened without any two-factor authentication with SMS or phone call, etc. 

The fraudster was then able to request a transfer of XXXX Chase Ultimate Rewards points to two separate accounts within Chase via phone call (! ) - again, with no notification to me or any other security measures. 

I am appalled at Chase 's lack of security within their online ecosystem and lack of protections and measures in place to prevent this. Almost all other credit card companies have better security to combat this basic fraud/scam.
Consumer complaint received 2023-03-11
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: ALLY FINANCIAL INC. (NV)

Existing complaint with ally bank. They have STILL not processed my bonus that was due on XXXX XXXX, XXXX. They have my recoded phone call stating that they would pay a {$500.00} bonus, along with getting my account opened and the request to transfer my money to their bank. They also have my messages in their system directing them to transfer {$50000.00} from my XXXX XXXX XXXX XXXX checking account to open an ally bank savings account. I wonder how many other customers they are not paying a bonus to for THEIR failure to transfer in their funds? Every time I have to contact them, AGAIN, or to contact you, the punitive damages for their failure to properly transfer my funds and to pay me the promised bonus should be increased.
Consumer complaint received 2023-03-11
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (SC)

I leased a XXXX XXXX from XXXX XXXX XXXX in XX/XX/XXXX putting a down payment down and making payments on time. It was an in-house payment center with XXXX XXXX  but recently they completely closed on XX/XX/XXXX. I was not made aware by email, phone or mail about the company closing. I cant call a customer service line or make online payments as it is closed permanently as well. As a consumer I should have been notified about this financing company closing. Online I am directed to a website called XXXX XXXX XXXX which is a debt collector. I am not in debt with American financial. Their company was closed because they are in debt. My account should not be transferred to XXXX XXXX XXXX without my consent in a contract with my signature on it. XXXXXXXX XXXX XXXX does not have license to work in the state of South Carolina. I should be able to get back all my payments made to American financial in my down payment is well. As I have been researching, it is illegal for a company to receive down payment on a vehicles once I have given my name ssn and other information. Please help me.
Consumer complaint received 2017-09-16
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: 21ST MORTGAGE CORP. (FL)

I closed on the sale of my home on XX/XX/XXXX. I have not received my funds from the sale because XXXX XXXX XXXX is refusing to release the Lien and Title until XX/XX/XXXX. I spoke with XXXX XXXX  on XX/XX/XXXX and was told that they had received the payoff check on same date. As per conversation with them on XX/XX/XXXX and XX/XX/XXXX. The Realtor has her commission. The purchaser has her house. 21st Mortgage Corp has the entire payoff for the house. And I have no home, no money and am on the verge of being homeless effective XX/XX/XXXX. There appears to be something very wrong with this picture. I NEED HELP NOW before I resort to having to live on the street. I am being placed in this situation because 21st Mortgage Corp is holding the Title and Lien for my home hostage until XX/XX/XXXX.
Consumer complaint received 2023-03-12
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. (GA)

XXXX, XXXX XXXX  Equifax continues to report a closed account late. They have done this 2 months in a row which has negatively affected my credit score in a tremendous way. They refuse to remove the late remarks. This needs to stop and those late reports needs to be removed
Consumer complaint received 2023-03-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Javitch, Block & Rathbone LLC (OH)

I have a wage garnishment sent to a court in a county I moved out of in XXXX. I moved from there to XXXX  in XXXX and back to XXXX in XXXX till present day. The original debit or portfolio recovery sent this collection to javitch block law in XXXX who sued me in XXXX XXXX XXXX. I cant do anything about it. This is 100 miles away from where I live and have lived for 5 years. Now I have garnishment papers from my work with the old address used to sue me. I have no way to stop this as I was deceived by javitch block. My due process in court was violated by using these tactics of filing so far away from where I live so I wouldnt know about it and have a chance to appeal. I have no idea how this is legal. I had a prior creditor XXXX XXXX XXXX  who got ahold of me in XXXX about a debt and I worked with them paid it in full and everyone was satisfied. I can prove my willingness to do this with a court getting involved but javitch block denied me of this and now I have the embarrassment of my employer thinking Im some deadbeat person.
Consumer complaint received 2023-03-11
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. (FL)

The Name on the report has been notified as incorrect and XXXX as well as, Equifax has continued to place the incorrect name by excluding the Suffix and/or entirely place the incorrect or a fraudulent name on my report. 

I have recorded calls as proof and am willing to take it to court and/or the hire level when necessary. 
I have called them over and over again to wit, has led me to start recording these calls after encountering a rude representative that wanted to tell me the incorrect information ( s ) is " Correct '' ... when i notified her the info is not correct she/he went on to continue asking me what on my report is not correct ....? I had to enforce them confess, Who's report is it .... Mine or theirs... They then hung up after I made them confess it is my report and not their report.
Consumer complaint received 2018-05-08
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: Experian Information Solutions Inc. (FL)

I have a closed auto loan with this company called credit acceptance that was opened in XX/XX/XXXX, however I contacted the credit bureau once I noticed several inaccuracy reporting as far as 30 90 and 60 day lates, these are all inaccurate, Ive asked experian to correct this information or force credit acceptance to report proper information, however what Im noticing is experian every time I disputed they just say verified, IVE ASKED FOR THE METHOD OF VERIFICATION, biggest issue is they are supposed to go beyond the creditor make sure the information furnished to them a indeed 100 % accurate, however they just back these false verification no rhyme or reason given just tell me the company says its accurate, its also the job of the bureau to make sure the creditor is not bullying me which is clearly the case here the account is closed so they dont care about updating their records or even spending any time researching it ... well they should delete the account if they cant verify and stop sending false reply that you ecxperian did not even research
Consumer complaint received 2018-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: John C. Heath, Attorney at Law, PLLC (PA)

I hired XXXX to help me with improving my credit. When I called to terminate their service, They tried to add a hiring fee. I am paid up with this company and they wont terminate their service with me. I had to pay XXXX dollars to stop any future payments withdrawn from my checking account. I don't need their services anymore and need help from this company from taking my money. Thank you if you can help me.
Consumer complaint received 2017-09-16
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Advance America, Cash Advance Centers, Inc. (IN)

On XXXX XXXX, 2017 a loan of {$400.00} was established. The interest rate being 347.69 % with a finance charge being {$57.00}. Within a week, XXXX XXXX XXXX contacted me about the way Advance America conducts their payday loans. Upon further investigation, I was able to ascertain the basis that Advance America was in fact violating the Indiana Statue governing the way payday loan companies are to conduct themselves. The maximum finance rate and fees allowed by Indiana law on a loan of {$400.00} is 13 %. This is not the case in the existing loan. The rates in this loan are beyond 13 % which if that is true, it 's more than the maximum finance rates and fees allowed in the State of Indiana Statute 24-4-4.5-7-101 et seq. Advance America is committing fraud which is unethical and has chose to violate the Indiana rules of law are required for payday loans to abide by. This action is the intended action the Indiana Statute is intended to avoid.