davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I had Bank of America Master card for awhile, payment history always on time with automatic payment set up. 
All of sudden this XXXX without any notification the Minimum payment increased, so that my automatic payment didnt fulfil their minimum and they changed me late fees and interest. 
In XXXX I payed off the whole balance to avoid such charges inconvenience. The also charged me late fees and Interest which I think is totally unfair. 
BOFA mobile app is confusing to use and cant reach them through the Contact options Trying to contact the Customer service is unpleasant experience ; long wait time and unprofessional Another previous bad experience ( resolved ) with previous credit card through them ( XXXX issued through Bank of America they had calculation issues which they resolved after many calls and hours of waiting time, in addition they replaced the card to another different card that doesnt hold their name that I received by mail without information what the card is about which is unprofessional way to deal with customers.
Consumer complaint received 2017-08-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAVALRY INVESTMENTS, LLC (OH)

Calvary Spv I, Llc has filed a lawsuit in the XXXX County Municipal Court in XXXX Ohio onXX/XX/XXXX, Case No. XXXX. This lawsuit cause of action is contract/note in the claim amount of {$3000.00}. Since XX/XX/XXXX I have sent multiple letters in correspondence to the plaintiff in the case requesting for proof of a contractual obligation to pay said company. During this correspondence I was never provided the requested documentation and was never advised of a pending lawsuit prior to receiving the notice that a complaint had been filed. After receiving the notice of complaint I responded onXX/XX/XXXX with a request for production which was sent to the plaintiffs assigned counsel, XXXX XXXX at XXXX XXXX XXXX, XXXX, KY XXXX. A copy of this request was also sent to the XXXX County Municipal Court for filing. To date I have not received any documentation showing a contract/note in place with Calvary Spv I, Llc. I have responded to all letters from the plaintiff within 30 days of receipt of all letters which requires them to provide a response to my verification request. Calvary SPV I, LLC is listed as a creditor on the most recent letter that I have received from the plaintiff. If they are a creditor that means that they would have offered me credit in exchange for some product or service. If this transaction did take place they should have a signed contract or note bearing my signature with terms, conditions, and a itemized listing of what product or service was exchanged for the extension of credit. I have not received any such documentation to date and now I am being sued and this information is also still listed on my credit report.
Consumer complaint received 2023-01-25
Product: Credit reporting, credit repair services, 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)

Consumer reporting Clarity have been reporting a charge off on my consumers report which is illegal and innacurate because a charge off is considered cancelled debt and the IRS considered cancelled debt as gross income. Income can not be reported on a consumers report. This is libel defemation, these consumer reporting agencies are reporting something that is not supposed to be on a consumers report so other parties can see. This can cause financial and emotional damage. Other parties seeing this can question my financial responsibility off of something thats not suppose to be reported. Income isnt suppose to be reported on a consumers report and also consumer reporting agencies must follow FRCA and FRCA 15USC 1681 states for a consumer reporting agency to furnish something on my report they need my written permission. I never sent a written permission stating I wanted this reported. The consumer reporting agencies are reporting inaccurate information which is reporting income on a consumers report when in fact its not supposed to be reported occurring to the IRS, furnished something that I never gave written perrmisission /consent on. Envaded my privacy. According to the laws that these consumer reporting agencies broke, they defamed me. They are reporting information so third parties can see and see a wrong impression which will ruin my reputation question my financial responsibility, this will cause financial and emotional stress.
Consumer complaint received 2017-08-23
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 — Problem with personal statement of dispute
Company: Navient Solutions, LLC. (AZ)

Recieved an alert detail from XXXX XXXX on XXXX/XXXX/XXXX they found report through XXXX credit agency. 

Regarding : Suit or judgement notification submitted by Navient Solitions INC. 
date filled XXXX XXXX, XXXX date satisfied XXXX XXXX, XXXX court : Navient Solutions INC Status : Grid code XXXX Case number : Navient Solutions Inc of XXXX  IN I have called Navient to discuss this matter representative was not helpfull at all and seemed he had no idea what i was speaking of currrently my loans are not in default and on auto payment through my bank.
Consumer complaint received 2017-02-08
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

Complaint on Yield to High Deposit, Rewards, Missed Deposit and Reserves Prompted Balance At account opening interes computation on interes is calculated on combined account from checking and saving Bank errors are found on interes computation yielding is daily can not presumably tune to XXXX 0r 366 days and is contradiction to 12 months APY computation notion Actual Rate interes on receipted deposits base on relationship from XXXX to Present, XXXX {$12000.00} to {$40000.00}, should come out to not below 20 % daily Beside prompted and position Bank of America to become number XXXX twice in prior 10 year with net reserve BOA {>= $1,000,000} aggregate {>= $1,000,000} Daily Interes sum on combine account deposit is $ XXXX and even applying your so call XXXX formula yield $ XXXX/daily multiply to 130 days yields $ XXXX yield come to $ XXXXmonth multiply to XXXX cycle is {$25000.00} month, Itemized cyclic computation from initial cycle interes on combine accounts is {$1600.00}, from initial date XXXX XXXX, XXXX, .04 % ( XXXX ) {$1400.00} and XXXX XXXX, XXXX, .04 % ( XXXX XXXX {$200.00}, Second Cycle sum is {$46000.00}, XXXX XXXX, XXXX, .04 % ( XXXX ) {$700.00} and XXXX XXXX, .04 % ( {$38000.00} ) {$45000.00} Third Cycle total is {$42000.00}, XXXX XXXX, XXXX, .04 % ( XXXX ) {$36.00} and XXXX XXXX, XXXX, .04 % ( {$34000.00} ) {$41000.00} Fourth Cycle sum is {$39000.00}, XXXX XXXX, XXXX, .04 % ( {$30.00} ) {$36.00} and XXXX XXXX, XXXX, .04 % ( {$33000.00} ) {$39000.00} Fifth Cycle Sum is {$39000.00}, XXXX XXXX, XXXX, XXXX ( XXXX ) {$38000.00} XXXX XXXX, XXXX, .045 % ( XXXX ) {$470.00}
Consumer complaint received 2023-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

THE FOLLOWING INQUIRES AND COLLECTIONS ARE REPORTING FRAUDULENTLY ON MY CREDIT REPORT FROM TRANSUNION, XXXX, XXXX AND OTHER THIRD PARTY CREDIT REPORTING COMPANIES ; XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX CO XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXL XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX NXXXX 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 2017-02-09
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (NY)

I have tried numerous times to get my free credit reports from annualcreditreport.com. I have also tried setting up a Social Security Account Online. Every time Equifax tries to verify my information it fails, yet the other XXXX agencies say it is right. 
I 've called Equifax numerous times ( Maybe XXXX ) and spoken with them over the past two years trying to fix the problem or get an answer. They say they information I am entering is correct yet every time I try to get an online report the other XXXX credit bureaus give it to me no problem. Equifax NEVER! 
Furthermore Social Security uses Equifax to verify their system to create online accounts. I had to go into the office and have them override the Equifax failed authorization. 
Equifax checked my report reset everything I can login but yet every time I try to get any type of verification through Equifax it fails. They said all my information is correct and no holds are on the report of any kind? 
I am so sick of this problem. I have been trying to fix it for two years. I even have an agency helping my repair my credit and they have no idea what is going on neither does Equifax but it needs to be fixed ASAP. Places ca n't see the equifax report because the authorizations fails. I need this fixed as I am applying for a mortgage. 
XXXX XXXX XXXX XXXX - XXXXXXXXXXXX or XXXX
Consumer complaint received 2017-08-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (MD)

Homeowner has been working a short sale and attorney for home owner has been in constant contact with lender. Attorney was advised that we are in a value dispute. Attorney was never advised of a scheduled sale date. There was apparently a sale date scheduled for X/XX/2017. Lender clearly dual tracked this file. Lender at no time advised attorney for borrower as to sale date despite constant contact with lender and contact less than 24 hours prior to the scheduled sale date.
Consumer complaint received 2023-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I did not authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ). You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business days so that I can verify its validity. Mail it to the address listed above. If you can not provide me with proof that I authorized you to view my credit report then I am demanding that you contact the credit bureaus immediately and have them remove the unauthorized hard inquiry immediately. I also request that you remove my personal information from your records.
Consumer complaint received 2023-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: MUFG AMERICAS HOLDINGS CORPORATION (CA)

I have credit card account with Union bank since XX/XX/XXXX. I was making regular monthly payment. I use XXXXXXXX XXXX  electronic checks for payment. On XX/XX/XXXX XXXX I received the letter from Union Bank stating my payment was received in XX/XX/XXXX but is returned, not accepted. I will incur late fee with next statement and needed to pay ASAP. Of note, due date is XXXX of each month. Bank deliberately mailed the letter late to set up a customer for late charge. 
I confirmed with XXXX XXXX check was mailed on XX/XX/XXXX and was cleared on XX/XX/XXXX I have the letter from XXXX XXXX  with a copy of the check. I called Union Bank, I was advised the case will be escalated with payment team and I should check in five business day. On XXXX XXXX I received a letter from Union Bank advising me to pay ASAP to avoid collection process! I called Union bank again on XX/XX/XXXX and was advised in rude away I have to pay. I again advised Union Bank I did not receive any reversed payment, {$200.00} were sent by XXXXXXXX XXXX. I did not receive my money back. I was advised again case would be escalated to the payment team I have to wait for ten business day. I called on XX/XX/XXXX and was advised same, case was escalated As responsible consumer with credit score XXXXXXXX I am concerned about the situation. I am between two banks now, I payed on time, two weeks prior to due date. As of XX/XX/XXXX I did not receive a check from Union bank with reversed payment.Money were cleared from my XXXX checking account! I called your agency and I was advised to open dispute case. I tried to open it last week and today, XX/XX/XXXX Both time my request to open the dispute case was declined! I just spoke with representative XXXX who declined my request. I asked to speak with the supervisor but she/he is not available .I was advised supervisor would call me back within an hour. 
I did make my payment on XX/XX/XXXX with the memo to apply the payment for my XXXX statement. I believe XXXX payment was lost but money were cleared from my account .I would like to pay my XXXX dues when I receive my money back! It should be in Dispute process .Union Bank declined to open Dispute case. 
I appreciate your assistance in this matter! 
I can prove with my monthly bank statement, so called reversed payment is not received. 
XXXX XXXX XXXX number with Union Bank XXXX
Consumer complaint received 2023-02-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

XXXX XXXX is deceased and I am the beneficiary of her account. She purchased a cashiers check for XXXX on XX/XX/22. After the check was declared lost in the mail her funds were never returned to her account ... ... .even after the 90 day void on the check. I had an appointment today to discuss this with you but unfortunately, my current health keeps me from travel. 

I would like this money returned. I made another appointment for friday but unable to know if I can make it. I am attaching a death certificate and a copy of the cashiers check. Please help me resolve this matter. 


sincerely, XXXX XXXX
Consumer complaint received 2023-02-27
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Collection Management Holdings, LLC (NM)

My medical bills were to be paid by Medicare insurance, which did not pay due to billing errors. XXXX XXXX XXXX XXXX XXXX ( XXXX ) accepted my Medicare Advantage insurance for services provided on XXXX XX/XX/XXXX. The bill was partially paid by my insurance, but the provider never submitted a corrected claim for the rest of their and the physician 's bill. I have never received a bill from either XXXX or XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for the physician 's bill. I contacted their billing offices repeatedly in XXXX and XX/XX/XXXX and was told they had lost my file, then they were changing billing companies, then I should stop calling them and they would submit corrected bills, and finally, I was told if I never received a bill, " so be it. '' Nothing was heard for 6 years when XXXX XXXX XXXX ( XXXX ), a collection agency, surfaced in XX/XX/XXXX and said I owed XXXX XXXX XXXX ( who I have never dealt with ), {$660.00}. I was also told the doctor was not obligated to accept my Medicare insurance- which is obviously not true since the facility accepted my insurance cards at the time. I sent XXXX documentation and they said, first, to have a nice summer, and a week later told me if I did not pay, they would report the unpaid bill to the credit bureaus. Nothing was heard for six months and then Credit Management Company, a new collection agency that has never billed me, reported an open account to XXXX. The alleged debt was for XXXX XXXXXXXX XXXX  - again a company I have never dealt with. I have researched XXXX and XXXX and learned they are both bankrupt and there are many similar instances of improper billing filed with the XXXX XXXX XXXX XXXX XXXX  ) in XXXX Texas. I tried to find out any information about XXXX XXXXXXXX XXXX  and was told they are a recruiting company that would not have ever billed me for professional services. They have not returned my telephone calls. The collection agency that has taken action to report an unpaid debt is Credit Management Company, XXXX XXXX XXXX, XXXX, PA XXXX. They have not responded to my query. I have filed a complaint against them through the XXXX of XXXX Pennsylvania. I also filed a complaint against the bankrupt XXXX and XXXX with the XXXX of XXXX XXXX Texas and the Texas Department of Insurance. Complaints have also been filed with the No Surprise Help Desk at the Centers for Medicare & Medicaid Services and the New Mexico XXXX XXXX XXXX XXXX Department NM Senior Medicare Patrol . The provider XXXX said they accepted my Medicare card for payment, billed the insurance provider, then failed to correct errors. Had they corrected the bills, the amount claimed would have been paid in full and I would owe nothing. There is no reason I owe this money for a failure to correctly bill by the medical provider and physician within the prescribed time to submit bills.
Consumer complaint received 2023-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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. 

They have violated my rights. 

Account name : # XXXX  Acct XXXX XXXX Account name : # XXXX  Acct # XXXX Account name XXXX XXXX XXXX Acct # XXXX Account name : # XXXX XXXX XXXXr Acct # XXXX Account name : # XXXX  Acct # XXXX Account name : # XXXX Acct # XXXX Account name : # XXXX XXXX  XXXX Acct # XXXX Account name : XXXX XXXX XXXX. 
Acct # XXXX Account name : XXXX XXXX XXXX XXXX Acct # XXXX Account name : XXXX XXXX XXXX XXXX Acct # XXXX Account name : XXXX XXXX XXXX Acct # XXXX Account name : XXXX XXXX XXXX Acct # XXXX Account name XXXX XXXX XXXX Acct # XXXX Account name XXXX XXXX XXXX Acct # XXXX Account name : XXXX XXXX Acct XXXX XXXX Account name : XXXX Acct # XXXX Account name : XXXX XXXX XXXX Acct XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : 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 convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating 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 2016-06-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Nelnet, Inc. (OH)

Nelnet parent plus loan XXXX/XXXX/XXXX statement : Original principal amount {$7800.00} interest rate 7.9 % total principal payments paid thru XXXX/XXXX/XXXX {$7400.00}. Total payoff amount thru XXXX/XXXX/XXXX {$1400.00}. My next payment due is late XX/XX/XXXX. 

I have called Nelnet several times to find out how this is even possible. I am told that interest is paid first. I know that and I am paying my interest and more than doubling my principal payments. How can I have to pay off more in principal than I borrowed? I can provide statements and payment history for review. Please help.
Consumer complaint received 2023-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/23 at XXXX I received a text alert from capital one asking whether I tried to make a purchase at XXXX XXXX XXXX XXXXXXXX for {$1400.00}, and to text back yes or no to protect my account. At XXXX and within 4 minutes, I texted back no, and that I did not recognize the charge. in the interim, capital one allowed the charge to go through without waiting for my reply. that is, they asked if I had authorized the charge/purchase, and before waiting for a reply, they approved the purchase rather than declining the purchase. I called capital one and immediately cancelled my card indicating that I had not made such charges and ordered a new card. I notified capital one that I had not lost my card, it was not stolen, and that I was in possession of my card. I called the merchant and the merchant indicated that yes someone with " my card '' had made the purchase and had just left the store not too long ago. in fact, they had the person on their surveillance camera. It was an XXXX XXXX male. I am XXXX XXXX XXXX. Capital one conducted a fraud investigation and determined that I was responsible for the charges because it was an in-person purchase with a card with a chip, and that I never reported my card being lost or stolen. capital one is insisting that I am responsible for these charges. Had I lied and told capital one that my card was lost or stolen, then I would not be responsible for these charges. That's outrageous! I have since cancelled my entire account and am in the process of filing a formal police report for the incident to be investigated. I asked capital one to provide me with the details and results of their investigation, and they indicated that they do not provide the results of a fraud investigation to their customers. This entire incident is completely outrageous and unacceptable on numerous levels. Please, can you assist me with resolving this issue? Please feel free to call me at XXXX. LESSON LEARNED : IF THERE ARE UNAUTHORIZED CHARGES ON YOUR CREDIE CARD AND YOU HAVE THE CARD IN YOUR POSESSION, TELL THE CREDIT CARD COMAPNY THAT YOUR CARD WAS STOLEN.
Consumer complaint received 2023-02-27
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.