davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-12
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

XXXX XXXX XXXX has required that I get a new credit card number for American Express and XXXX approximately once a year ( sometimes more frequently ) without verifying a reasonable need to undergo the hardship that changing credit card numbers presents. Many Americans have the majority of their payments to businesses on automatic or recurring payments. When the credit card number changes, it is a very time consuming venture to change this number with all of these businesses. If one forgets to change the number with a business or the number does not successfully get changed, this can lead to late fees and can lead to a mark on the consumer 's credit record. In every case with XXXX XXXX XXXX, they gave an XXXX number to call with questions. It was said there was a merchant that possibly compromised the account but when asking the represntative which merchant was involved and what the compomise was, the answer is " we do not have that information ''. I have called the customer service number each time to complain about this practice but no one appears to care what this is doing to consumers. The customer has a right to know why they are being put through all of this hassle and the credit card compny should be required to verify that it was a big enough threat to merit these inconveniences. It is even possible that XXXX is changing these numbers periodically in a similar fashion that is recommended for changing passwords. This is not acceptable. Please intervene an help to spur legislation that will prevent credit card companies from running consumers in circles just to protect themselves from the slightest chance of merchant compomise. If it has to be, so be it-but the consumer should have the right to know exactly what merchant is involved and what the violation was.
Consumer complaint received 2015-04-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: WELLS FARGO & COMPANY (CA)

According to Wells Fargo EFS, I opened a loan with them sometime between XX/XX/XXXX and XX/XX/XXXX for tuition at XXXX XXXX University in XXXX, Ca. I did attend that school but I have no recollection of signing a loan with Wells Fargo. I have contacted them on several occasions requesting that they provide me with some form of proof that I initiated a loan with them, which they have not done to date. It appears that Wells Fargo is claiming that I owe them money, even though they are unable ( or unwilling ) to provide any proof that I have taken out a loan with them.
Consumer complaint received 2015-04-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Pinnacle Credit Services, LLC (SC)

I 've sent XXXX and Pinnacle Credit Services ( collection agency for XXXX ) numerous letters to send me proof that I owe such a large amount. I am yet to hear back from either company.
Consumer complaint received 2016-01-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

A review of my credit report has identified a public record dated XXXX/XXXX/XXXX. This public record is a civil judgment regarding a bad debt to a credit card issuer. While the original trade-line has been deleted and replaced with the judgment, the original Date of First Delinquency was XXXX XXXX. It is due to be deleted in XXXX.
Consumer complaint received 2016-02-01
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (FL)

Took out loan using car as part collateral, lost job claimed bankruptcy signed a reaffirmation for the loan.Signed up for automatic deductions from my checking that they take out every month, they are trying to collect money from before the agreement I spend endless time I get it straightened out for about a week then a different number starts calling. Some calls are threatening
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Equifax Credit Reporting Agency block information appearing on my consumer credit report that is a result of identity theft and fraud within 4 business days. Your reckless credit reporting allows for Companies to set their own profit margins in the activity of predatory lending which is a federal crime. This fraudulent inaccurate and false information consists of my personal information such as the address ( XXXX XXXX XXXX XXXX, OR XXXX ) date reported XX/XX/XXXX also, ( XXXX XXXX XXXX XXXX XXXX, NY XXXX ) date reported XX/XX/XXXX also, ( XXXX XXXX  XXXX XXXX XXXX AR XXXX ) date reported XX/XX/XXXX also, ( XXXX XXXX  XXXX XXXX XXXX, AR XXXX ) date reported XX/XX/XXXX. This fraudulent, inaccurate, and false information that consist of a personal credit card account XXXX XXXX  opened XX/XX/XXXX under the account number XXXX. A personal loan Avant under the account number XXXX. date opened XX/XX/XXXX. XXXX under the account XXXX date opened XX/XX/XXXX. Another loan is reporting as XXXX XXXX the acct number is XXXX date reported XX/XX/XXXX. These accounts abov3e have resulted in several fraudulent inquiries and fraudulent collections appearing on my consumer FICO credit report. In your criminal behavior in running your company on a day to day basis. I want to remind you a consumer can not be denied credit based on a credit score. Credit Reporting Agencies illegally spy on consumers for profit. If a consumer transaction is made by the element of a consumers Name, SSN and Signature debt can't technically exist. The Federal Reserve Act secion 12 part 1 says the only entity who can deny a consumer credit is the Board of Governors not you or Banks who powers are outlined in 12 USC 1431. You discriminate against consumers for profit violating the Equal Credit Opportunity Act routinely.
Consumer complaint received 2024-09-01
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. (AL)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2015-06-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

We took out a loan modification with Bank of American that was completed on XXXX/XXXX/2015. The loan documents should have been sent to the XXXX XXXX Recorders office in XXXX XXXX, NV on XXXX XXXX. They were not and have not been sent as of today 's date of XXXX XXXX, 2015. We have called Bank of American on numerous occasions each time speaking no less than XXXX hours while being passed from person to person and department to department. Each time we have been assured that the document was sent except for XXXX time being told it takes the recorders office XXXX days to record a document ... that is there standard pat answer. I both called and visited the Recorders office in person. They told me on XXXX occasions that it takes only XXXX days to record a document once it is received. The recorders office gave me a print out showing all documents that have been received and recorded on our property. The loan modification is not on the list! We spent XXXX hours speaking to Bank of American on Thursday and another hour today and nothing has been resolved. We are considering selling the home but no realtor will list the house until the recording of the loan mod is done. We do not feel that we should be required to make payments on a home that is not recorded in our name or that we should stop making payments which would have a negative impact on the credit we are trying to rebuild. In addition, BOA forced insurance on the property. The insurance they have only protects their interest in the loan balance and not our equity. We purchased a policy with the United States XXXX XXXX XXXX on XXXX XXXX, 2015 that protects the interest of XXXX parties. A copy was sent to BOA by the insurance company on XXXX XXXX, 2015, however, BOA has for XXXX months insisted that they did not receive it. So we are left paying for XXXX policies, XXXX from the escrow account and XXXX from our pockets. On Thursday they finally took the insurance information from me but have given me no proof that they actually put the information into the system. There is no reason for BOA to delay in sending the documents.
Consumer complaint received 2016-02-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (KY)

On my credit report it has my name as XXXX XXXX instead of XXXX XXXX & one of the addresses is wrong it has XXXX. XXXX XXXX XXXX Ky I have no clue who 's address this is I have never lived in XXXX ky
Consumer complaint received 2016-02-17
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I am the trustee of a trust that is being liquidated. The mutual fund company issued a redemption check that I deposited into Bank of America. B of A has now placed a hold on those funds. There is no pattern of unusual activity here - the amount of the deposit is not unusual for this account, the account has never been overdrawn, and the funds are drawn on a large and reputable mutual fund company 's account ( XXXX XXXX ). Bank of America told me that the hold was placed because the issuing bank ( XXXX XXXX ) is unable to confirm sufficiency of funds. I called XXXX XXXX and they have verified that the check CLEARED XXXX XXXX. Somehow Bank of America is not being straight with me and in the meantime is interfering with my ability to fulfill my fiduciary duties to liquidate the trust and distribute the proceeds.
Consumer complaint received 2016-02-17
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am not certain this complaint is being posted in the correct area, but this is the closest area I could find related to my complaint. My complaint concerns the credit score reductions for no legitimate reason. Let me start by saying, I am not understanding why my credit score declines if someone simply inquires as to what it is. If my credit score is XXXX and someone runs my credit to see if I qualify for credit with them, it brings my score down XXXX points. Which now means my score is XXXX. This seems so unfair to me. A credit score should be diminished for failure to pay, slow payment, or bankruptcy. A credit score should not be decreased because someone inquires as to what it is. Example : : I decide to purchase a home, they run my credit, it is XXXX, borderline fair and poor. That lender is not meeting my needs and I decide to change lenders, and the new lender runs my credit and it has gone down XXXX points to XXXX which is now reflect the score as poor, which now means I ca n't get a house at all because my score has to be at least XXXX. I have not done anything wrong to cause this. I have not failed to pay anyone, or been delinquent with any payments. It 's as though you 're taking away my right to change my mind, and destroying my chance at home ownership just because of a credit inquiry. It does not seem to me that the services are making any money when a business inquires as to what your score is. If that is not correct, please enlighten me. This is a matter that needs some serious revamping, not later but as soon as possible. It is unfair to all consumers, whether the credit score is XXXX or XXXX. 
I will be sending this request for change to you every day until my voice is heard and also looking for other sources to voice my complaint to in the meantime.
Consumer complaint received 2015-07-20
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (WA)

In XX/XX/XXXX we received an offer of settlement from Chase for the amount of {$33000.00} to settle in full our second mortgage on our house. At this time we were in mediation with Chase for our XXXX mortgage and chose to let the offer that ended in XXXX lapse. On advice from our attorney, we sent this offer to the Washington State Attorney General because the form looked like a teaser - it used the words " we may be able to release any Chase-held liens. '' In XX/XX/XXXX we received an offer of settlement from Chase for the amount of {$28000.00} to settle in full our XXXX mortgage on our home. We were still in mediation with Chase on our first mortgage and chose to let the offer that ended in XXXX lapse. During our second mediation hearing in XX/XX/XXXX, after XXXX years of trying to get a modification, Chase told us that our pooling and servicing agreement did not allow for any modifications. The same day that we learned that we would not be eligible for a modification on our first loan with Chase, we contacted Chase to try and settle our second mortgage so we could try and get a new loan on our first and retain our house. After the usual no-call backs as promised, Chase offered to settle our second loan for the new amount of {$55000.00}. I asked that the offer be e-mailed to me and I never received an e-mail. On XXXX XXXX I received a phone call from Chase. I was told that the offer for {$55000.00} was good until XXXX XXXX and any subsequent offer would be for more money. 
We are trying to retain our house. Chase is pushing us down a foreclosure path that is both unethical and disturbing. Why does the settlement offer nearly double when I contact Chase to try and settle? My house has not gone up in value that much between XXXX and XXXX of this year.
Consumer complaint received 2024-09-01
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. (IL)

I have not supplied proof under the doctrine of estoppel by the silence XXXXXXXX XXXX XXXXXXXX ( mo ) XXXX XXXX | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX XXXX XXXX {$990.00}, XXXX  XXXX Bal. {$0.00}, XXXX  XXXX bal. {$2300.00}
Consumer complaint received 2016-02-01
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (CA)

I had a personal and business checking account with US Bank back in 2013. I switched to a credit union and thought I had closed all my US Bank accounts. I had transferred last {$30.00} out of the business and put in personal since I rarely used the business. Unbeknownst to me, an automatic debit came out of the business account for {$21.00} from XXXX a month or so after I thought I closed it. I was never notified by USBank of overdraft. They proceeded to charge initial {$36.00} overdraft fee and {$25.00} overdraft on a weekly basis for 6 more weeks and then closed the account with another {$30.00} charge. This {$21.00} overdraft then turned into {$230.00}. I had not moved or changed address, phone or email, but never received notice of this overdraft and fees. Given it was closed quickly after it occurred and they wrote it off, it just sat on my record until I finally went to open a new checking account when I recently moved. I worked and banked XXXX since that overdraft occurred. I attempted to resolve with US Bank, but was advised to go to XXXX which sent me a report but now referred me here. I am not disputing the initial overdraft and perhaps the initial fee, but a few hundred dollars of fees piled on in six weeks without attempts to reach me are bit rediculous. I am not sure how to proceed at this point. I am not stuck with getting a special restricted bank account because of this item on my XXXX report which does not tell the whole story. I can not seem to get any help with US Bank to resolve since it is now written off. I would like to negotiate a lower amount to resolve it, but can not seem to get anyone to help me.
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

Recently checking my credit report i noticed that I've been a victim of identity theft and found numerous credit inquiries I have no knowledge of here are the inquiries that I've found : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year>. Please remove these fraudulent inquiries from my credit report.
Consumer complaint received 2016-01-30
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: Comerica (CA)

I have a checking account with Comerica Bank for many years. On XXXX XXXX of 2016 I deposited {$4000.00} into my account, the deposit was in the form of XXXX money orders of {$1000.00} each. As usual I received a receipt of {$4000.00} deposited into my account. I monitor my account online at Comerica Online Banking. Comerica Bank online banking indicate that my account after clearing certain payments, my account ended with a positive balance of {$590.00} on XXXX XXXX of 2016. On XXXX XXXX of 2016 Comerica Bank charged a total of {$270.00} of overdraft fees, XXXX times {$25.00} in overdraft fees. On XXXX XXXX of 2016 my account ended with a positive balance of {$590.00} after clearing all payments ; on XXXX XXXX of 2016 my account ended with a positive balance of {$590.00} even after Comerica Bank deducted {$270.00} in overdraft fees. I called Comerica toll free phone number to ask why my account is charged overdraft fees when the account never had a negative balance ; the person answering the phone had no answer and directed to contact the branch where my account was opened ( XXXX, CA ). Next day I went to my branch and contacted the branch assistant manager about the overdraft fees ; she was very understanding but said that only the branch manager make a decision in refunding the fees. I had to leave to open my small business ; I was assured by the assistant manager that she will talk to the branch manager and a refund will be initiated. I waited one week and nothing happened. after a week I went back to the branch and talked directly to the branch manager, I presented him with copy of deposit of {$4000.00} and a printout of my account ledger from Comerica Online Banking indicating that my account had never had a negative balance after all payments cleared on XXXX XXXX of 2016 therefore Comerica Bank should not charge me overdraft fees of XXXX the next day. The branch manager ask me for my cell phone number and that he will research this matter and call me by the next day. I met with him on XXXX XXXX of 2016 as of this writing I never heard from him ; he never called nor he refunded the {$270.00} in overdraft fees. To conclude, I want Comerica Bank to refund into my account {$270.00}.
Consumer complaint received 2015-11-18
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I applied for a card with Capital One with the intention of using the card to execute a balance transfer. During the online application process I was asked how much I wanted to transfer and my response was {$10000.00}. Shortly after I was approved for {$3000.00}. 

The next day I called Capital One and spoke to a lady in the applications department. I let her know that if Capital One was unwilling to raise my credit limit, then the card was no use to me. The lady explicitly told me that if I did not activate the card that meant that I had not agreed to the terms of the card and my account would NOT be reported to the credit bureaus. 

After receiving the card in the mail I did NOT activate it. Instead, I called customer service to confirm that if I did not activate the card, nothing would be reported to the credit bureaus. At that point I was informed by XXXX customer service representatives that what the lady had told me was false and that the account, although not activated, would still be reported to the credit bureaus. 

As a result of the false information that was given to me, I will certainly sustain damage to my credit file through a ) a hard inquiry b ) the opening and closing of this account in the same month and c ) a drop in the average age of my accounts, all three of which have a negative impact on my credit. 

Please note I still have not activated the card and have no intention of activating the card unless Capital One is willing to raise my credit limit to {$10000.00}.