davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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
Consumer complaint received 2022-12-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

The problem I have is with Bank of America. I had fraud on my account and they did not reimburse my claim. Here are the details : On XX/XX/XXXX, I was given a check through email for a job that I did. Innocently trusting the man for the job, I deposited the {$4000.00} check he gave me. ( I have pictures of everything if needed ). Without sending or spending any money, I waited to see if the check would clear. The next day, XX/XX/XXXX to be exact, the check was verified by B of A. Excitingly, the bank put the {$4000.00} in my checking account. To my knowledge, I thought the bank thoroughly looked over the check that was given to me since they gave me {$4000.00}! Never being taught how checks work, I thought it was valid. I then was deceived into sending the scammer {$3500.00} through XXXX for materials for the job. That same day, my common sense finally kicked in and I realized it was a scam! That same day, I instantly went to my local branch to talk to my extremely helpful banker. I reported the fraud hours after. My banker said to me, honestly, this is kind of our fault too for not thoroughly going over the check. He then began to explain to me how checks work. He saw my pictures and evidence and fought very hard for me! I have been a customer of Bank of America for years, and Ive never deposited a check that hasnt taken up to 48hrs to process. B of A gave me the money the next day for a sketchy check without my signature on it. I think it is wrong for B of A to do this to me. XXXX XXXX XXXX brought this to their attention and B of A refunded the people the money for the same issue! This issue is not fully my responsibility. This makes no sense for B of A to give {$4000.00} without thoroughly checking the check, then holding me responsible.This is a multi million, if not XXXX dollar organization. This {$3500.00} was a huge hit for me as a XXXX but is nothing for them. I would truly like to solve this issue. I am a XXXX XXXX  and about to get married and I was saving up for a wedding ring. It just really hurts that Im going through this. Please help! 

I put some pictures of the check and the guy who scammed me. I also took pictures of what my personal banker told me to do. Also some more information that may be needed! I hid my bankers name so he doesnt get in trouble.
Consumer complaint received 2022-12-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CO)

In XX/XX/XXXX, I applied to PHH mortgage for removal of PMI from my monthly mortgage payment. On XX/XX/XXXX I paid {$150.00} for the required appraisal to support PMI removal. Shortly thereafter, the appraiser came to my house, took pictures/notes, and submitted that material to PHH.

In the subsequent months, I have called and emailed multiple times to various departments within PHH to inquire about the progress of the review of my PMI removal application. Multiple times, I've been told by escalation managers that they would call me back tomorrow or the week after. I rarely receive these calls back and have to call and explain the situation to yet another escalation manager. I'm told that I can not directly call the department responsible for removal of PMI. They have sent me 1 letter and 1 email saying they would get back to me within 30 days, which they have never done. 

I purchase my home for $ XXXX in XX/XX/XXXX. My loan amount was $ XXXX. As of XX/XX/XXXX, when I requested PMI removal, the appraised value of my home was well over $ XXXX, easily meeting the required loan to value threshold for PMI removal.
Consumer complaint received 2022-12-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2022, I made a credit card payment which posted to the account on XX/XX/2022. However, on XX/XX/2022 ( which is also the day the payment was due ), received an email stating, " Were sorry, but your bank recently returned payment ( s ) made to your Union Plus Credit Card due to insufficient funds ''. The email suggested I contact my bank to see why the payment was rejected. 

This seems almost improbable considering I have XXXX XXXX XXXX  of dollars in my account, along with overdraft protection. I immediately called my bank ( XXXX XXXX ), and XXXX XXXX  has zero record of any type of payment rejection and zero record of any attempt by Capital One requesting the payment & I was also assured by XXXX XXXX  that even if for some unexplained reason I did have insufficient funds in my account, they would absolutely cover the charge ( s ) up to {$1000.00}. 

I attempted to make the payment after speaking with my bank & was informed I would incur a {$25.00} late fee by Capital One since the payment was not going to post until the following day, since it was after hours. I called Capital One customer service & explained the entire situation to a customer service representative & was told there was no way around avoiding the {$25.00} late fee. I asked to speak with a Supervisor and was eventually transferred to a Supervisor. But before I was about to be connected to the Supervisor, the customer service representative told me you're still going to be charged the late fee regardless - ( out of curiosity, why would a customer service representative make that statement to me instead of allowing the Supervisor to make that decision, it was the same as telling me, " you're just wasting your time, you're going to pay the late fee no matter what you say '' ). I connected to the Supervisor and was again told by the Supervisor I will still in fact be charged the {$25.00} late fee. I explained to the Supervisor I had received the same " insufficient funds '' email the previous month & it simply was not true that I didn't have the funds in my account. I explained to the Supervisor, for as long as I've had this particular credit card, I never carry a balance & pay my outstanding balance every month. The Supervisor had no interest in what I had to say & reiterated I would still be charged the {$25.00} late fee All I have is their " word '' and zero proof that they attempted to collect money out of my account. I, on the other hand have solid proof that the money was absolutely available at the time I initiated the payment, as well as proof of overdraft protection & proof that my bank would have covered the transaction even if the money wasn't in the account. So essentially I was charged {$25.00} for a non existing problem, which appears to be a form of fraud by charging customer ( s ) unfounded late fees.
Consumer complaint received 2022-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX Balance : {$130.00XXXX XXXX XXXX XXXXXXXX Balance : {$10.00} ; XXXX XXXX XXXX, GA XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX ; XXXX XXXXXX/XX/2022 ; XXXX XXXXXX/XX/2022 ; XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022
Consumer complaint received 2022-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (MI)

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.Lvnv funding llc account # XXXX {$26000.00}. Lvnv funding llc account # XXXX has violated my rights. By adding collecting accounts of fraudulent accounts thats been removed from my credit report at the making police reports with this company. 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 Chapters. 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 16663 A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2022-12-10
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: CLGF Holdco 1, LLC (NC)

In accordance with the Fair Credit Reporting Act, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FEB Destiny, and CB Indigo have violated my rights.

15 USC 1681 Sections 602 States I have the right to privacy.

15 USC 1681 Sections 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.
Consumer complaint received 2022-12-10
Product: Credit card or prepaid 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: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I purchased 2 flight tickets from XXXX XXXX at XX/XX/XXXX for {$570.00} each and the ticket terms including 2 checked bags per ticket and received the confirmation The flight was operated by their business partner XXXX XXXX When I was using the ticket on XX/XX/XXXX, XXXX XXXX ignored the terms of the ticket and the confirmation I have an allowed only one free checked bag per passenger and charged me for the second one ( {$100.00} per bag ) I filed claims with XXXX, XXXX and Bank of America the card issuer to refund the {$200.00} XXXX paid extra for checked bags I already purchased with the original ticket but my complains was ignored by some with no response and denied by others and considered a separate transaction which is not fair.
Consumer complaint received 2022-12-10
Product: Credit card or prepaid 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: DISCOVER BANK (VA)

A fraudulent charge was made with my card. I attempted to have XXXX cancel the order, but they would not because my email didn't match the one on the order. I disputed with Discover Card. The dispute was declined because " the geographic location '' was my home location ( I wasn't home at the time of the charge, was on vacation with my family ) matched the ip address used. I don't have any emails or other information ; I assume they went to the email of the person that stole my info. I only have the charge on my account and the dispute information. 

The charge was for {$270.00} and was made on XX/XX/2022 at XXXX CST, for a jar of mayo and a tent. The mayo arrived at my house ; the tent did not.
Consumer complaint received 2022-12-10
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: FCC Finance, LLC (GA)

i am reporting that FCC Finance remove the debt owed from my XXXX credit report. I have tried disputing this with XXXX directly and they recommended. According to their website they are a home improvement loan company. I have never owned a home and I have requested several backup documentation on how they obtained this loan from XXXX XXXX. This company has failed to provide me with requested information such as proof on how they obtained the loan, if they are a debt collector and if in fact they own the loan the reporting of the loan does not follow federal debt collection procedures that a personal loan is charged off in 120 days for non payment. They have provided me with an allonge document that does not state FCC Finance as the purchaser or receiver of the loan. This inaccurate reporting has been determintal to my personal finances since it shows that it is past due for over 3 years with excess fees added.
Consumer complaint received 2022-12-10
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. (NC)

This is the second time I have sent a certified to Experian about the inaccurate information they are reporting on my consumer report. I even sent copies of my consumer report to show what inaccurate information they are furnishing. The first letter I sent to Experian was XXXX XXXX the information came back verified, another letter was sent on XXXX XXXX. I asked Experian to furnish the procedure of how the account was verified, I asked them to mail me a corrected copy of my consumer report. ( They did not send anything as I had requested ) Experian sent an email, and that's not what I requested, I saw the email three weeks later because I was not expecting an email concerning these accounts. The problem is Experian is reporting two XXXX XXXX accounts, one with an account number and the other one without an account number just XXXX, and sometimes the account number starts with XXXX. The amount on both accounts {$9300.00}, date opened is XXXX XXXX, The credit limit {$10000.00}, both are credit cards, Status updated XX/XX/XXXX for both accounts. The difference is how they are reporting the Payment History, the account that starts with XXXX and sometimes appears with just XXXX. Payment History : XX/XX/XXXX Data Unavailable, XX/XX/XXXX account 30 days late, Balance updated : XXXX XXXX. The other account starting with XXXX has the Payment History : XX/XX/XXXX account 30 days late, XX/XX/XXXX account 60 days late. This account the Balance updated XX/XX/XXXX. This information is inaccurate and I have requested that they investigate every piece of information concerning this account and it has not been done. I have enclosed a copy of letter I mailed to Experian and my consumer report also. This information is only about the XXXX XXXX accounts listed on my consumer report.
Consumer complaint received 2022-12-10
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. (CO)

On XX/XX/XXXX, I contacted Experian about the following negative accounts XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$850.00} ), XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Balance : {$0.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2500.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$5200.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2023-02-17
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: American Credit Acceptance, LLC (NY)

XXXX sold me a XXXX low mile car for XXXX for 72 months with American credit acceptance as my lender. They didnt explain anything to me at all for example my 26.66 % apr. I happened to be an out of state buyer from New York. They didnt help with getting it registered like they do for all there customers. I believe since I was an out of state buyer I had to do it on my own which made it tough after my temp tags expired. Because I was a first time car buyer I was extremely taken advantage of. They put me in this vehicle when I didnt have the right insurance to align with the state dmv registration procedures. Then when I called for them to help change my request away from my home state they couldnt get me florida registration. This process has been so bad for me after 60 days its been constant paranoia and stress that I was going to lose the car from law enforcement ( as I was constantly being pulled over ) or repossession but On XX/XX/XXXX it was reposed from me for nonpayment. I paid close to XXXX to get it back and when it was return I had a check engine light on and it wasnt running as smooth. Even took it to XXXX for a service they charged me XXXX for the check engine light and brakes even under the XXXX warranty coverage. Just 5 months in and the check engine still appeared on the dash. After a tough first 13 months with the car they had it repoed again for non payment. And the car was still unregistered and put me in so much issues with Florida law enforcement. Another thing they didnt tell me is that I would have to pay the old state I was living in taxes to just to register it and that cost close to XXXX.
Consumer complaint received 2022-12-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

XX/XX/2022 Almost midnight, I received the notification from the BOA app, and it indicated my account is locked. 

XX/XX/2022 I came to the local BOA nearby and asked the associate for assistance and help. But the system can not respond to related questions on weekends. So, the associate decided to make the call on Monday. 

XX/XX/2022 XXXX helped me make a call to clarify the situation happening on my account. But the company responded there is nothing to say. And the associate try to withdraw the money from my bank, but she couldn't. Because it is closed. 

XX/XX/2022 The associate made a call again to the system and ask to withdraw the money. But the status is still under review. No one knows what's going on. 

XX/XX/2022 I came to the same branch of the bank again and wanted to make sure I can withdraw the money. The associate still worked on and the XXXX try to make a call to the upper supervisor to solve the problem. I still don't have the answer. I can prove any transaction that is clear and be done by myself. If I can not withdraw the money, I can not pay the rent and tuition, even the food. 

XX/XX/2022 I went to the same branch again and asked the XXXX for help. The XXXX XXXX called the services again and try to get approval which withdraws money immediately. However, the request is denied. 
In this situation, they can not give me the chance to withdraw money and the time frame. I just want to withdraw my money. I am a student and need to pay rent and tuition.
Consumer complaint received 2022-12-10
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. (CA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX ACCOUNT # 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.
Consumer complaint received 2022-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX : {$12000.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX XXXX
Consumer complaint received 2024-10-08
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. (GA)

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately from my credit report :