davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

You didn't actually have any categories that fit my complaint so I hope this ends up in the right queue. My complaint is against Bank of America ( BofA ) and XXXX for implementing XXXX policies. Both of these companies took taxpayer money to bail them out of trouble during the banking crisis and they have no right to discriminate against customers just because they support the second amendment. This is bigotry and it's wrong when we haven't done anything wrong. I actually bank at BoA and now I have to worry if they'll start causing problems for me due to my XXXX activities or if I attempt to buy a gun. I've heard that most of the XXXX discrimination is against XXXX   manufacturers but that still doesn't make it right and if that discrimination is allowed then they may start infringing on the personal rights of their customers.
Consumer complaint received 2018-04-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (SC)

I bank with Wells Fargo. This bank sends returns checks thru your checking account a second time without the company the check is written to. I paid XXXX to the Electric company XXXX XXXX XXXX  I contacted XXXX XXXX XXXX once I realized the check did not clear my checking account.

XXXX XXXX XXXX told me to go and pay the bill using cash because they do not send checks back thru. I did this within a day the check was being processed again thank XXXX  I was able to stop before it processed. Wells Fargo has done this to me numerous times causing me more ridiculous bank fees. I live on a fixed budget. When this bank does this it causes other items not to clear. I called them and asked for their policy on this topic to be mailed to me or the Corporation address so I could write them. I asked them also for the policy on Wells Fargo deciding to run a check back thru my account when the company I wrote check to states they do not run a check thru a 2nd time. Wells Fargo practices needs to be looked into. I check my account on XXXX2018 at XXXX again at XXXX and each time my account balance was different. I had a car payment return the finance company said they do not run the check again unless I call them. Well sure enough Wells Fargo sent the check thru again and again more fees. I cant get ahead. My mortgage is behind. I just loss my XXXX  JOB and all the bank fees are really putting a strain on my finances. Please look into this. Consumers should be told that even if the company the returned check is on does not re run the check Wells Fargo does?? I have been asking them over and over how they die credits and debits. No clear answer once had a line of credit never used it and they just closed it.
Consumer complaint received 2018-06-02
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. (FL)

there is an incorrect mention in my credit report with Experian experian has been notified FIVE TIMES with PROOF that the item is fraudulent. 

experian has received the proof, including police reports, identify of the perpetrator of the fraud, proof of the fraud. 

experian has REFUSED to remove the mention. the mention is XXXX XXXX XXXX called today XX/XX/2018 and EXPERIAN in a recorded call has 1 ) acknowledged receipt of the FIVE times proof was sent, 2 ) admitted that it wont fix the fraud
Consumer complaint received 2018-04-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC. (CA)

My customer number is XXXX. I requested a XXXX loan they so just gave me a XXXX loan. I was under the impression because this was during hard times and my dad just passed away that the loan payment would be once a month as normal payments are. But then come to find out they want to {$200.00} each payday XXXX a month. I am single I just had my roommates moved out so I am covering all of the bills on my own I asked if there was a way we could lower my payments since we couldnt make it once a month they said they said no they cant lower them at all nor can they make them once a month. I am single I just had my roommates move out so I am covering all of the bills on my own I asked if there was a way we could lower my payments since we couldnt make it once a month they said they said no they cant lower them at all nor can they make them once a month. As it is {$2600.00} loan inns up costing me almost {$8000.00}. during a time of hardship these people take it vantage of those who are in need of cash when its a hard time and thats a shame but I asked to work with them in some sort of way and they denied every way for me to work with them know they cant do anything they said. So that is why I am contacting you folks my name is XXXX XXXX my phone number is XXXX area code XXXX.
Consumer complaint received 2018-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

Experian again has not provided detailed information on whom they contacted to verify information, how they contacted them to verify information, where they got the information to verify. Experian has ignored the opt out documents from XXXX XXXX where not public record s on me can be verified by side I'm opted out. Not have they acknowledged that they did not get any info on me from county trustee , county court clerk, or register of deeds. THE FACTS OF ACKNOWLEDGEMENT ARE TOTSLLY BEING IGNORED. I ASKING FOR CFPB TO DO DETAILED INVESTIGATION THEMSELVES AS EXPERION CONTINUES TO IGNOR THE FACTS OF DISCOVERY AND THE BURDEN OF DISCOVERY THAT REST WITH THEM
Consumer complaint received 2018-06-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: VIRTUOSO SOURCING GROUP, LLC. (WI)

I filed for Chapter XXXX bankruptcy in XX/XX/XXXX this was discharged in XX/XX/XXXX. Virtuoso Sourcing Group somehow obtained the account I included in bankruptcy with XXXX. So both names where listed on the Chapter XXXX filing. Shortly after the discharge Virtuoso Sourcing Group starting reporting that I had an " open '' collections account with them in the notes it says included in bankruptcy. The way they have this written is not typically seen by a creditor, they see I have a open collection account. The way Virtuoso Sourcing Group is reporting this hurts my score. I have tried over the past year and have to try your correct this matter with the company directly either by phone or via disputes with the credit bureaus they have been 100 % on willing to correct the matter and have threatened to reports this account several times on my report she make it appear that I have numerous corrections accounts. I want Virtuoso Sourcing Group to remove this information from my report.
Consumer complaint received 2018-06-02
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: FMS Inc. (OK)

Saturday, XX/XX/2018, XXXX XXXX. After repeated calls from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX I called them back in an attempt to find out what the nature of the debt they were calling about was. After several minutes talking to XXXX XXXX where she got my information to make sure of my identity she finally told me they were a debt collection company and trying to collect a debt. This was after she questioned me about my identity. 

I asked what the debt was several times and was never told. I asked for a supervisor and again they began asking me my name, dob, social security number, address and phone. I declined to give the information again and was hung up on. 

I can't verify that this is a legitimate debt as they will not give me any information.
Consumer complaint received 2018-04-28
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: JPMORGAN CHASE & CO. (AZ)

I used my chase credit card to pay for a one-night hotel stay on XX/XX/XXXX. The hotel charged my card for the amount of the reservation in full on XX/XX/XXXX, in the amount of {$110.00}. Weeks after I checked out, the hotel charged my card an additional {$74.00} on XX/XX/XXXX. I contacted the hotel about the charge and could not get them to respond or correct the erroneous charge, so I contacted chase and filed a dispute. This is a clear cut case of an unauthorized charge. The hotel did not have reason nor my permission to charge the card ANY additional amount after the conclusion of my stay on XX/XX/XXXX. Chase opened the dispute and asked me to provide a written statement by XX/XX/XXXX. I provided the statement on XX/XX/XXXX via Chase 's " secure message '' system. I got confirmation ( via an email receipt ) that my statement was received. On XX/XX/XXXX, chase sent me a letter stating that they closed the dispute and rebilled my account because they never received my statement. I called Chase on XX/XX/XXXX and spoke to two different supervisors, both of whom acknowledged that Chase received the statement and acknowledged that chase closed the dispute case in error, but they both stated there is nothing they can do about it and even though it is Chase 's mistake, they would not take any action to resolve the error.
Consumer complaint received 2016-08-22
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC (FL)

The company that is collecting for this debt is National Credit Adjuster. I 've only spoken to a person twice. The first time i spoke to a woman i was asked to verify with my last XXXX given the mini miranda and asked if i will be able to pay the bill today. I explained that i wasnt able to pay and she tried to set me up with different options i wasnt able to set at the time. That rep proceeded to tell me my acct would be marked as a refusal to pay, even though i explained i wanted to take care of the balance. I just wasnt able to at the time. The second time i spoke to a man. He verified a previou road i lived on, not the physical axdress, gave the mini miranda and asked if icould pay the balance today.I told the rep i am not able to pay the balance but i did attempt to pay the original creditor and they didnt have a record. He explained that they own the dept now so they wouldnt have a record and when i said again i couldnt pay now the rep on the line abruptly hangs up on me. They have not recived tcpa on my line i was only asked if it was a good number by the female rep and hung up on by the male rep.
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)

This complaint is filed with the Consumer Financial Protection Bureau ( CFPB ) to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the XXXX credit reporting agency as well as XXXX and Experian, block the following fraudulent information from my consumer credit report within 4 business days of receiving this complaint. 

The fraudulent accounts that I do not recognize and that were opened without my consent are as follows : XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Opened XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX Opened : XX/XX/XXXX Additionally, the following hard inquiries have appeared on my credit report, which I do not recognize 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 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 None of these accounts , collections , or inquiries were opened , made, or initiated by me. They are the result of identity theft and fraud.

I have attached a list of the fraudulent inquiries in question, along with supporting documentation, pictures of my identification, including a copy of FTC Identity Theft Criminal Complaint # XXXX, as proof from the U.S. Federal Trade Commission that all of the above accounts and inquiries are indeed fraudulent. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2018-06-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

On XX/XX/XXXX I got a mortgage on my Mom and Dad 's home to help pay debt. The loan paid of some debt and the rest covered the mortgage. The loan was with my parent 's bank XXXX XXXX XXXX XXXX XXXX. The mortgage was for : Principal and Interest {$740.00} Flood insurance XXXX Mortgage Total : {$790.00} **Please note that hazard insurance, PML/FHA, Taxes and other were NOT apart of the loan as my parents are on fixed incomes and could NOT afford it. I pay their taxes and homeowners insurance seperately as I have proof of that. 

XXXX sold the mortgage to XXXX who at one time tried to collect the escrow for taxes and homeowners, but I sent them the original loan documents and they corrected it immediately. 

XXXX sold the loan to XXXX XXXX XXXX and since XX/XX/XXXX, I have been trying to get the to stop trying to take the escrow for Taxes and homeowners. They have received proof that I pay the taxes in XX/XX/XXXX of every year and this covers the payment due in XX/XX/XXXX and XX/XX/XXXX, I have also sent them records that I pay the homeowners quarterly. I was originally told to just pay my original amount until they get it straightened out, So that is what I did each month I pay the payment of {$790.00}, then in XX/XX/XXXX they put payments in suspense, moved our payments to escrow and made it look like we were late on payments. Finally in XX/XX/XXXX I talked with another supervisor who said once I paid the amount of {$3600.00} which would bring account current ( even though we were current but they were putting our payments elsewhere ) the problem would be fixed within a week and we would get the escrow money back ( WHICH WAS MONEY I WAS GOING TO PAY TOWARDS MY MOTHERS FUNERAL EXPENSES SHE XXXX XX/XX/XXXX ). But again they lied and refuse to abide by the original mortgage loan. I have provided them with all 3 years of tax payments, documentation to show that I also pay homeowners. XXXX county also always returns their money to them and they have a note not to accept their payments. Now it is XX/XX/XXXX and they expect me to pay a payment of over {$1100.00}, which is way more then my Father has from is pension. WE DESPERATELY NEED HELP!!!
Consumer complaint received 2018-06-02
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

Hi, I recently pulled my credit report and saw that Incorrect information was listed. I sent a goodwill letter to Capital One and disputed with them and no one would help me. Ive disputed several times because Ive never been late making payments. Im very frustrated at this time because the inaccuracies were not updated to a positive status. Ive been a loyal consumer since XX/XX/2014.
Consumer complaint received 2018-04-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is the 2nd time, in about two ( 2 ) weeks that I've had to file a complaint. I had requested through Transunion ( plenty of times ), to remove all disputed information, language from my credit report. Finally it was done, and then to my surprise, the language was placed right back on! What is even more surprising, is that the CFPB closed the case, and then right after, Transunion stated that I had 2 accounts in dispute, after I asked plenty of times through the CFPB and Transunion to remove the information. Can anybody help me? Is the CFPB going to step in and tell Transunion that I no longer want to dispute anything on my credit report? I'm really starting to lose faith in this process. Also, I've noticed that XXXX/XXXX continues to report that the account is in dispute, after I stated time and time again it wasn't.
Consumer complaint received 2018-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED AUTO ACCEPTANCE (FL)

I have a loan with UNITED AUTO ACCEPTAN. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and UNITED AUTO ACCEPTAN with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 120 days or more than four payments past due since XX/XX/XXXX- XX/XX/XXXX.
Consumer complaint received 2018-04-28
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: AMERICAN EXPRESS COMPANY (LA)

I have an unauthorized inquire on my XXXX report. below is the information : Institution Information Amex XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Date : Inquiry from XX/XX/2017
Consumer complaint received 2018-06-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

In XX/XX/XXXX, I called Bank of America to inquire about assistance on our past due mortgage. On XX/XX/XXXX, my husband and I received a letter from Bank of America that we were assigned a dedicated customer relationship manager. The letter stated the customer relationship manager would work with us to determine if there were any programs available to help with our past due mortgage. We received by mail a packet and was informed to submit the Borrower Response Package. We faxed over all required documents on XX/XX/XXXX. We received confirmation that Bank of America received all the documentation needed to proceed. I continually called Bank of America and talked with different people and each time I was informed they had no information available. In XX/XX/XXXX we received a letter stating our mortgage was being transferred to XXXX XXXX XXXX XXXX. I contacted XXXX XXXX XXXX and was told they were waiting on information from Bank of America on the transfer. On XX/XX/XXXX we received a letter stating the transfer would not occur. I continually called Bank of America and in XX/XX/XXXX, I was informed to fax over the Borrower Response Package again, because the XX/XX/XXXX papers I faxed over before were expired. I went to a Bank of America branch and faxed over the documents again. I have called Bank of America over and over and I keep being told they have no information that we ever applied for assistance programs. On one occasion I was told it was sent to XXXX XXXX. I called on XX/XX/XXXX and was told the XXXX XXXX process would be expedited in 2 days and to call back. I called over a week later and now I am being told they have no information on our need for assistance. The only contact we receive from Bank of America now are collection letters and collection phone calls. We continue to pay any amount we can at anytime we can. We are in the process of trying to get the loan back on track and payments on time. I just keep talking to different people that have no idea what is going on and can give us no answers.
Consumer complaint received 2018-04-27
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Received Workers ' Compensation Via Workers ' Comp Judge Order XX/XX/XXXX ( XXXX  XXXX ) {$10000.00} check XX/XX/XXXX & opened a Bank of America Savings Account on XX/XX/XXXX to acquire multiple accommodations necessary for Workers ' Comp Judge Ordered XXXX scheduled for XX/XX/XXXX XXXX XX/XX/XXXX & XXXX XXXX XXXX XXXX   daily for 2 weeks. 

On XX/XX/XXXX BOA wrongfully and/or negligently allowed {$8200.00} of these Workers ' Compensation Funds to Levied by a near 10-year old creditor ( whom in the past I've had to acquire Civil Restraining Order Against for stalking and harassing me due to obsession and threatening to shoot me with his gun ) with a judgement. 

Code of Civil Procedure 704.160 Exempts 100 % of Workers ' Compensation from this type of Levy without having to file Exempt ; yet I had to file Exempt on XX/XX/XXXX after multiple attempts to point out unlawful allowance of Levy by BOA Legal Department to no avail even after Faxing BOA Legal Dept. Exempt form filed, details of CCP 704.160, and a BOA Branch Manager calling them on my behalf. Clearly, BOA Legal Dept. Associates are giving me the run-around holding money causing me Dire hardship including having to cancel XXXX & risk losing authorization after over 2yrs of fighting to get it XXXX  XXXX payment necessary for scheduled XX/XX/XXXX XXXX & XX/XX/XXXX XXXX authorized.