davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-15
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I have been trying to remove my name from my daughter 's account and the Bank of America has made it impossible. My daughter lives in a different state, the bank said we need to go to any branch together to remove my name. We did this but the bank refused to remove my name because they had no Notary on staff. We called 4 different banks in our area and none of them had a notary available. We have been trying for about 4 months and my daughter has come to CT 9 time trying to get this done. But all the banks said they can not do it. I called the main number explaining the situation and they said they would remove my name. That was about six weeks ago and my name is still on her account.
Consumer complaint received 2016-11-15
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (VT)

I moved from XXXX to XXXX. Attempting to get my car registered in XXXX. Chase Bank holds the title and they received a request from XXXX DMV on XX/XX/2016. Chase has told me they were scheduled to have the title sent on or about XX/XX/XXXX. They still have not sent the title and I have been driving without a registered car due to the time it has taken for the title to be sent to XXXX DMV. For the past week and a half I have called every day to try and get some resolution to the issue, which has been fruitless. I have been told that it has been escalated but it has not seemed to resulted in any movement. I have been told that now the estimated time frame of Chase send my title would be on or about XX/XX/XXXX.
Consumer complaint received 2016-11-15
Product: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IA)

I was contacted by an unsolicited telemarketing phone call, sometime in XXXX by a company called XXXX. They offered me a profitable at home business, they would submit my keywords to increase my overall ranking. I paid them {$4300.00} and I signed up with them. Within a few days XXXX, the technician, contacted me with some keywords and also asked if I had keywords I wanted used which I gave some suggestions. In XXXX I was again contacted and XXXX wanted to start my social media and a XXXX video. I paid them {$2500.00} again. They contacted me the next day saying that if they could optimize more pages it would help me and this was another {$1600.00}, I also paid them. Then in XXXX XXXX was going to design a new website. Needless to say I paid them an extra {$3200.00} on my Capital One credit card.This is the charge that I would like help to dispute.In a couple of weeks I was not happy with what I had received from the company and started disputes with my credit card companies to try and get my money back. XXXX contacted me and threatened me saying that they would be starting litigations against me since according to her they had provided with the services they said they would. The next week I agreed to drop the disputes because I did n't want my company to get a bad mark but I was definitely not happy with their services. They have n't done anything since then and I believe they have been stringing me along and they have never had any intentions of actually selling me a legitimate and profitable business. I am out of thousands of dollars and I need your help to try to recover my money.
Consumer complaint received 2024-10-12
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)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-10-12
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. (AZ)

I've complained about being a victim of identity theft. You must remove any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$220.00}
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

RE : XXXX  Block Request To Whom It XXXX Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$3900.00} Please block this information from my credit report within XXXX business days, pursuant to Section XXXX of the Fair Credit Reporting Act.
Consumer complaint received 2016-11-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (GA)

I have disputed these accounts several times with Equifax and they always say that they are verified. How can they verify the accounts when the company ( XXXX ) reporting them ca n't verify them. I sent the company a letter asking them under the Fair Debt Collection Practices Act to provide me with the following : 1. what the money you say I owe is for, 2. explain and show me how you calculated what you say I owe,3. provide me with copies of any papers that show I agreed to pay you what you say I owe you, 4. identify the original creditor, 5. show me that you are licensed to collect in my state ; and provide me with your license numbers and Registered Agent. That company could n't provide me with anything. So, I request that Equifax remove all these accounts : XXXX from my file permanently and all credit inquiries.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

My account with EXPERIAN was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2016-11-15
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Deposited 2 checks at BankofAmerica ATM on XX/XX/2016. Machine jammed with 2 checks stuck inside. Bank did not turn machine off. Bank Teller ( Teller Assist ) told me it would have to be recovered when machine was serviced and to file a claim. Filed claim immediately. 

Machine serviced on XX/XX/2016. Per bank rep, all checks removed and part of process is checking for jammed checks. 

As of XXXX CST XX/XX/2016 Bank still can not tell me if my XXXX checks were recovered from machine. Bank says may take " up to 45 days '' to determine if checks were recovered or not. By then the machine will have been serviced approximately a DOZEN times since per the bank, this machine gets serviced twice a week. 45 days to determine presence or absence of my checks. If the machine subsequently spit my checks out to the next customer bc the bank refused to turn off the machine, that means some stranger has both of my checks which are endorsed. In that case, I need to rush to have my employer put a stop payment on them. If they DO HAVE them, then why in the world cant they tell me that and move along with depositing them as I instructed. So obviously I need to know asap.
Consumer complaint received 2016-11-15
Product: Credit card — 
Issue: Other — 
Company: Neon Newco Corporation (NV)

i called to report my card was fraudulently used. Later to find out it was a vendor from online and we worked it out. however. the card had been cancelled and i waited for a replacement. the replacement card arrived. it could n't be activated. the card issuer demanded license and ssn card copies. THIS IS ILLEGAL. the id i can see. the ssn card is illegal to ask for. I did n't use that card to open the account. it should n't be required now that they have my money. I have been kept from viewing my credit card histories online. charged when i want to find my balance. my rights are being stepped on. I demand action against XXXX and ask that they be shut down permanently for unbusiness like conduct.
Consumer complaint received 2024-10-12
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. (NJ)

I appreciate your assistance in removing a portion of my credit file related to fraudulent activity. However, there are still items that require removal. Under FCRA Section 605, you are obligated to remove any inaccurate records. I have previously submitted this documentation and am resubmitting it for your reference. Please be advised that my attorney is aware of my intentions and is prepared to hold you accountable for any continued non-compliance. 
XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-04-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (CA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Equifax Information Services XXXX. XXXX XXXX XXXX, XXXX XXXX Dear Sir or Madam : I am writing to dispute the following information in my file. I have listed the items I want to dispute and are highlighted on the attached copy of my credit report : Case ID : # XXXX -- {$2500.00} XXXX County Clerk XXXX XXXX XXXX XXXX, XXXX XXXX Case ID : # XXXX -- XXXX XXXX County Supreme Court XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX The following items are inaccurate because I have satisfied the accounts, and the courts failed to issue a formal tax lien withdrawal notice. Additionally, I would like it removed under the new fresh start policy of the IRS. I meet all of the qualifications and eligibility, per the IRS notice on XXXX, XX/XX/XXXX, states in pertinent part : Tax Lien Withdrawals The IRS will also modify procedures that will make it easier for taxpayers to obtain lien withdrawals. Liens will now be withdrawn once full payment of taxes is made if the taxpayer requests it. The IRS has determined that this approach is in the best interest of the government. In order to speed the withdrawal process, the IRS will also streamline its internal procedures to allow collection personnel to withdraw the liens. 

Additionally, I am requesting that the item be removed from all XXXX credit bureaus, to correct the information. 

Enclosed are copies of my credit report indicating that the account is showing on my credit report. Additionally, I am enclosing a copy of " Form XXXX '' supporting my position. Please reinvestigate this matter and delete the disputed item as soon as possible. 

Sincerely, XXXX XXXX XXXX Enclosures : [ IRS form XXXX Release of Federal Tax Lien, IRS form XXXX ( XXXX ), Credit report and IRS Form XXXX ( XXXX ), Notice from the IRS Newsroom dated XX/XX/XXXX in relation to the IRS 's new policy to withdraw paid tax liens, Social Security, Driver 's license, and Utility bill ]
Consumer complaint received 2016-11-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Debt Recovery Solutions, LLC (NY)

I received a collection notice from this company on XX/XX/2016 claiming I owe them {$980.00} and they 're attempting to collect this debt on behalf of XXXX. I called XXXX and confirmed with them 3 times that I did not have any type of account with them. I placed a call to this collection company where they immediately asked me for my social security number which they hung up on me when I refused to give it to them. Since I have never opened an account with XXXX nor was I ever a customer with XXXX I came to the conclusion that this is a scam. I have since sent a debt validation letter to this company with a return receipt request.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I settled the balance of loan in agreement with XXXX XXXX. I was told over the phone that if I paid and settled the debt that the account would no longer be reported onto my credit report. They have not honored the agreement even after cashing the cheque sent to them from me. They cashed the check and sold the debt in it's entire balance to XXXX XXXX agency. They both are reporting the debt in it's full balance as an open collection.
Consumer complaint received 2016-04-10
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I opened an account with Bank of America in XX/XX/XXXX called " campus edge ''. I am told that in XX/XX/XXXX I received a statement notifying that my bank rules have changed and now I am going to be billed {$12.00} per month for not having a balance of {$1500.00} in the account. 

I find this unfair that if someone missed the statement warning they essentially bleed out their money. No email alerts for fees are sent out. Only " statement available ''. It 's a nice way to steal {$120.00} a year from small accounts that people forget about. 

I lost {$210.00} this way before taking back control.
Consumer complaint received 2016-04-10
Product: Credit card — 
Issue: Rewards — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

XX/XX/XXXX, I signed up for a Bank of America cash rewards credit card in which I was promised XXXX % cash back for all purchases plus a XXXX % bonus for a total of XXXX % on all purchases. In addition, I was promised a XXXX % bonus to make it XXXX % cash back if at least {$300.00} in cash rewards was accumulated before I redeemed the cash reward. The commitment made by Bank of America was that this benefit would be in place FOR THE LIFE OF THE CARD. When I realized they had radically reduced the amount of the cash back bonus, I called Customer Service and was informed that the program was discontinued in XXXX XXXX and that I was placed in another program. It 's supposed to be " FOR THE LIFE OF THE CARD '' not when they arbitrarily decide to end the program. In looking back at my statements, the change seems to have happened when Bank of America called me with a fraud alert and had to change my credit card number although I 've been with them continuously since XX/XX/XXXX. Are they declaring that because they have a concern about fraud and issue me a new card that they now declare the " life of the card '' provision no longer exists? I do n't believe it 's fair what was done to me. A company should not have the right to arbitrarily decide to end of the program yet when they market the card to you tell you the terms are for the, " LIFE OF THE CARD ''. 

I 've attached the XXXX consecutive statements in which the XXXX statement credit card number was changed.
Consumer complaint received 2016-04-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In XX/XX/XXXX we bought a new vehicle from a car dealership whom bought the previous vehicle financed by XXXX XXXX XXXX. The dealership sent the total payoff to XXXX XXXX XXXX before the 30 day mark. We noticed the inaccuracy immediately and informed this credit bureau. The creditor stated that they do not see where they reported it this way. XXXX instantly took it off after contacting the creditor. 

This CRA sent us investigation results stating that they verified the status. How is this possible? On my credit report ( which is attached ) under the STATUS it is reporting LATE and 30 days past due. This CRA is reporting inaccurate information and lying to consumers to save money by not fully doing their job to investigate inaccurate information for consumers. 

This inaccuracy is keeping us from getting approved for a new home and causing us financial damage and emotion duress. 

Please help us take action against this company, thank you for publishing tips on hiring legal counsel to help file a lawsuit. 

Thank you, XXXX XXXX
Consumer complaint received 2016-04-10
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: DISCOVER BANK (MI)

My loan service company is Discover Student Loans. XX/XX/XXXX and XX/XX/2016, Discover made unauthorized withdrawals from my bank account without my permission and without actually crediting my loan with the money removed. XXXX the amount was {$130.00} and XX/XX/XXXX the amount was {$140.00}. I have attached screenshots of my bank account records as proof. When I asked them to return the money, they said they had no record of the transactions and asked for bank records, which I provided and I 've attached here. They rejected the bank records and said to check with my bank for a " remittance report. '' My bank did not know what that was, but still provided me with a more detailed record of the fraudulent withdrawals. I forwarded this information on to Discover and still have not gotten my money back. Discover basically stole almost {$300.00} from my bank account and is stonewalling any attempt by me to recover this money. My bank was able to reverse the XX/XX/XXXX charge, but due to the XX/XX/XXXX charge being over 60 days old, they can not reverse this charge and I am left to Discover 's mercy to get my money back. I have attached the additional information given to me by my bank for the outstanding XX/XX/XXXX charge.
Consumer complaint received 2016-04-10
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (NY)

Equifax Information Services LLC XXXX XXXX XXXX, XXXX XXXX CERTIFIED MAIL : XXXX XXXX XXXX XXXX XXXX FALSE INFORMATION ON CREDIT REPORT SEE ATTACH UCC 11 SEARCHES SHOWING TO NEITHER LIENS NOR ANY DEBT refuse to issue full credit report ON CREDIT FILE XXXX/XXXX/XXXX I am disappointed that you have failed to maintain reasonable procedures to assure complete accuracy in the information you publish, and insist you comply with the law by providing the requested information within the 15 days allowed. 

1. ) XXXX COUNTY CLERK ID XXXX Date XXXX XXXX $ XXXX-See UCC 11 SEARCH herein Attach no liens filed XXXX XXXX XXXX by XXXX XXXX Dated XXXX/XXXX/XXXX XXXX. ) XXXX COUNTY CLERK ID XXXX Date XXXX XXXX {$11000.00} See UCC 11 SEARCH herein Attach no liens filed XXXX XXXX Sign by XXXX XXXX Dated XXXX/XXXX/XXXX XXXX. ) XXXX XXXX SUPRM CT ID XXXX Date XXXX XXXX {$32000.00} See UCC 11 SEARCH herein Attach no liens filed XXXX XXXX Sign by XXXX XXXX Dated XXXX/XXXX/XXXX XXXX. ) XXXX XXXX CLERK ID XXXX Date Apr XXXX over the 7 year period for reporting also See UCC 11 SEARCH herein Attach no liens filed NY XXXX Sign by XXXX XXXX Dated XXXX/XXXX/XXXX XXXX. ) XXXX XXXX CLERK ID XXXX Date XX/XX/XXXX {$26000.00} Federal tax lien filed. Please See UCC 11 SEARCH herein Attach no liens filed NY XXXX XXXX by XXXX XXXX Dated XXXX/XXXX/XXXX XXXX. ) XXXX XXXX CLERK ID XXXX Date XXXX XXXX {$93000.00} Federal Tax Lien filed but Search of UCC 11 SEARCH herein Attach no liens filed XXXX XXXX Sign by XXXX XXXX Dated XXXX/XXXX/XXXX As a matter of convenience to you and to expedite my request, I am resubmitting my request to correct my credit report. Sign under penalty and pains of perjury 28 USC Section 1746 ( 1 ) ( 1 ) If executed without the United States : " I declare ( or certify, verify, or state ) under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. 

Dated XXXX/XXXX/XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX TRUST CONTRACT XXXX clear violation of the FDCPA act. You are within your rights to sue them for damages in small claims court for these violations.Intend to file a basis of Lawsuit