davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-03
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (FL)

I opened a mortgage account with CHASE back in XX/XX/XXXX that account was closed and paid in full XXXX XX/XX/XXXX, in XX/XX/XXXX I applied for a credit card and the application came back rejected, the reason because all XXXX credit reports showed on the status of the account collection charges. I did not pursue the credit card any longer and forgot about my credit report ( because my attorney had written to CHASE and the reply from them was that everything was ok with the credit report institutions. XXXX years later about XXXX month ago I was house hunting, I found the house and the financial Institution that was going to give me the loan said that XXXX of the XXXX reports were showing a account balance of XXXXXXXXusd ( XXXX , XXXX ) and all XXXX showed amount past due XXXX with the account closed XXXX/XXXX/XXXX and their last report had been XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX and XXXX XXXX/XXXX/XXXX This should have been fixed the minute the account was closed but XXXX years later the XXXX of the XXXX Credit Reporting Institutions show that red flag making lose the opportunity of acquiring a house at a good price, hope you can help straighten this mess out as quick as possible, thanking you in advance for your attention to this matter.
Consumer complaint received 2024-08-15
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. (MI)

Per the Fair Credit Reporting Act 15 USC 1681 SEC 602 clearly states that " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness impartiality, and respect for the consumer 's right to privacy. '' XXXX, XXXX, and Experian are consumer reporting agencies, and I am the Consumer. As the Consumer I have the right to make sure my private information isn't shared which per 15 USC 6801 back it by stating " It is the policy of congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. " ( DEPT OF EDXXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 SEC 604a section 2 states that that " In general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( DEPT OF EDXXXX ) THE FINANCIAL INSTITUTION and the Consumer reporting agencies XXXX, XXXX, EXPERIAN do not have my consent to furnish this information, and they absolutely Do Not have my written consent. Any and all consent to XXXX, EXPERIAN, XXXX, and DEPT OF EDUXXXX XXXX WHETHER IT BE VERBAL, NON- VERBAL, WRITTEN, UN WRITTEN , IMPLIED, OR OTHERWISE IS REVOKED. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given explanation of how the consumer can exercise that nondisclosure option. '' DEPT OF EDUXXXX NEVER INFORMED ME OF MY RIGHT TO EXERCISE MY NON-DISCLOSURE OPTION. Not only that per 15 USC 1681C ( a ) ( 5 ) states '' Execpt as authorized under subsection ( b ), but no consumer reporting agency may also 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 XXXX years. '' This account is in adverse item they are reporting again without my permission which is against the law. 15 USC CODE 1681S-2 ( A ) ( 1 ) A states " 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. 15 USC 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of the consumer reports to the purposes listed under section 1681b of this title. '' XXXX, XXXX, AND EXPERIAN ARE NOT maintaining reasonable procedures. And to add 12CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. " I am opting out of your reporting services.
Consumer complaint received 2015-08-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (AL)

Over XXXX years ago I was on a note with my ex husband. We divorced, he let auto get behind. I talked with XXXX. Paid the amt told to pay without having a repossession on my credit. They still reported it as paid charged out. Can i please dispute this and get it removed. I paid over XXXX dollars to prevent this. Thank you.
Consumer complaint received 2015-10-21
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On previous trips to XXXX, I have used my Bank of America ATM card to get cash at various ATMs. In XXXX, I have used XXXX XXXX, BoA 's partner bank there and never had a problem. As a result, on my recent trip to XXXX, I took little cash because I knew that I could get cash from the ATM. In fact, one of the reasons that I have a Bank of America ATM card is because I was assured by the bank that it would work overseas. 

On arriving in XXXX XX/XX/XXXX, I tried my ATM card at a XXXX branch and the machine indicated that the transaction could not be completed. I tried at other branches of XXXX as well as at other banks with the same result. On the chance that something was wrong with my card, I tried my wife 's card ( we are on the same account ) and that did n't work either. At the time, we had a balance in our checking account of more than {$10000.00}, so it was not a question of insufficient funds. I called Bank of America from XXXX ( at substantial cost to me, given international rates ) and after the usual voice mail tree, wait, prolonged identification process, and a transfer, got to a person to whom I explained my problem. Her response was that the chip in my ATM card was so sophisticated that the XXXX banks could n't process it. This, of course, is ridiculous ; XXXX has been using chip cards for several years and my chip card from XXXX XXXX worked fine for charging items. She also indicated that there was nothing that Bank of America could do for me to get me a card that worked, or to get me funds. Before I left for XXXX, I filed a travel notice with Bank of America, indicating that I would be using my ATM card when overseas. Although BoA did tell me that there would be a 3 % transaction fee, there was no indication that my card might not work. So here I was in XXXX at the beginning of a two week trip with little cash, and no one at Bank of America was prepared to assist me. Fortunately, XXXX XXXX, a company that seems to care about its customers, arranged to get me the cash that I needed for my trip. 
Clearly, in providing my wife and I with an ATM card that would n't work overseas ( it does work here in the states ) and refusing to even tell me why this happened or whether it will happen again the next time I go overseas it seems to me that Bank of America has engaged in fraud.
Consumer complaint received 2015-10-20
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: Machol & Johannes, LLC (WY)

I was served a garnishment by a local law firm by the name of Machol & JohannesLLC. 
In speaking with them I specifically told them this was a case of fraud by a family member back XX/XX/XXXX. I provided them with proof from the XXXX Police department that I was a victim of identity theft. I showed them the proof of this and from each bureau for the card in question. The bureaus did a full investigation and deemed this as not mine and deleted the account immediately. I was told they would not sell the debt due to what happened. Companies like Machol & Johannes do what is called absentee judgments to try to scam people stating they knew of the serving etc.. It is common knowledge they look for easy prey. I am not easy prey but rather a victim of ID theft over 9 years agio which makes this debt uncollectable in that fact alone. I want them to drop this case as it is fraudulent reporting to the courts and exceeds time limits to collect. I want all {$720.00} taken illegally from my account.
Consumer complaint received 2015-10-13
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I received an alert from XXXX XXXX that there was a " Hard Inquiry '' on my credit report. There was a hard inquiry on XX/XX/2015 and XX/XX/2015 from XXXX XXXX. I contacted them and stated that I did not apply for any credit, do not have any accounts ( past or current ) with XXXX, and did not authorize XXXX to pull my credit. I was told they could not find an account and to send an email through XXXXXXXXXXXX. This is not a valid link. I would like XXXX to remove the XXXX hard inquiries from my credit report and inform me as to why they pulled my credit report to ensure I am not a victim of ID theft.
Consumer complaint received 2015-08-03
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL (VI)

Lender ( care credit ) makes it hard to pay my monthly payment ( no internet payment even though they say you can the system locks you out, also the automated phone system will not allow you to make payment it will just hang upon you, then they will change min due to higher amount and when you make a smaller payment on time the lender will still charge a late fee and raise the finance fee ... 
Care credit also only gives you a small window to pay. 
You ca n't pay before XX/XX/XXXX for the next month payment and you will only have up until XX/XX/XXXX or you will be hit late fees and a higher finance fee, and claim a delinquent payments on your credit record.
Consumer complaint received 2015-07-31
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Back in XXXX of 2014 I contacted Bank of American in regards to XXXX payments I made. I made a payment in XX/XX/XXXX and then the following month in XX/XX/XXXX. I was told the payment was XXXX days late. I am very upset because I been a loyal customer with Bank of America for XXXX years and I have never been late on my credit card bill. And I always pay my bill before the due date. They did nothing to help me and they told me I was late. I told them I was not I asked them if they could remove they late fee or reverse it and they told me no. As a loyal customer they should have done it anyway. I have an excellent bill history with them and they did nothing to help me and were very rude as well.
Consumer complaint received 2015-09-03
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: JPMORGAN CHASE & CO. (AZ)

On XX/XX/XXXX at about XXXX XXXX, I received a telephone call from a Chase customer service representative named XXXX ( # XXXX ) concerning a vehicle that has been charged off/ written off by J.P. Morgan Chase on XX/XX/XXXX. The customer service agent was told over the phone that I was XXXX and under medication. The customer service agent said that the call was being recorded ( but did not obtain my permission ). Although I explained to the customer service agent that I was under medication and was not mentall well, he repeatedly kept saying that he was going to call me and tired to get me to say the word " refuse to pay. " This is very rude and unprofessional behavior. This customer service representative was not concerned about my XXXX status.
Consumer complaint received 2015-10-21
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am submitting this complaint after months of frustration dealing with Bank of America 's Line of Credit Division ( BA ). Despite numerous requests and clear evidence, provided by BA, I am unable to obtain accurate credit history of my Account, reported to XXXX, XXXX and XXXX. I am trying to refinance my mortgage and this inaccuracy is negatively impacting my credit score, which in turn negatively affects the interest rate ( higher rate ) I am able to obtain on the refinance, which in turn will result in paying substantially more money in interest charges. Attached is a file containing the following Exhibits:1. Exhibit A - BA letter dated XX/XX/XXXX stating that my Account was established in XX/XX/XXXX and there have been no late payments made on the Account2. Exhibit B - Page XXXX of XXXX of my credit report, completed on XX/XX/XXXX, indicating one 30 day late payment in XXXX XXXX. Exhibit C - BA letter dated XX/XX/XXXX, with the same information as the XXXX XXXX letter4. Exhibit D - Email dated XX/XX/XXXX from XXXX XXXX, XXXX XXXX, stating the concerns regarding incorrect reporting on the Account and the unwillingness of BA to confirm that there are no late payments5. Exhibit E - Email dated XX/XX/XXXX from XXXX XXXX, XXXX XXXX, stating the unwillingness of BA to confirm that there are no late payments6. Exhibit F - Email dated XX/XX/XXXX from XXXX XXXX, XXXX XXXX, stating that the Account is still being reported incorrectly7. Exhibit G - Page XXXX of XXXX of my credit report, completed on XX/XX/XXXX, indicating the Account has no payment history at all, which negatively affects my score since I have 48 months of perfect history not being factored into the score8. Exhibit H - Email dated XX/XX/XXXX from XXXX XXXX, XXXX XXXX, stating the concerns regarding incorrect reporting on the Account ( no history and XXXX Accounts ) with a call into BA9. Exhibit I - Email dated XX/XX/XXXX from XXXX XXXX, XXXX XXXX, stating the concerns regarding incorrect reporting on the Account with a call into BAThere seems to be no other way to get through to BA except filing this complaint through the CFPB. At this time I am asking that you request BA to immediate correct this error and to send written communication stating the correct history be reported immediately. I would also request that they place authorization on file to verbally confirm my pay history with XXXX XXXX, XXXX, XXXX and XXXX. I am not sure if you can levy fines or penalties for this type of behavior, but I would also like to see some type of fine levied on BA. 
Thank you for taking the time to review my complaint.
Consumer complaint received 2024-08-15
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. (FL)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2016-03-02
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: REGIONS FINANCIAL CORPORATION (GA)

Since XX/XX/XXXX I have been hit very hard with multiple overdraft and nsf charges month after month from XX/XX/XXXX to XX/XX/XXXX to the sum of about XXXX. I have noticed that I get an OD then they run it through again and double the fees. I am XXXX years old and feel every month my bank Regions does this to me on purpose when I ask about whats going on Im told Were sorry Mam but there is nothing we can do. They have never givin me a dime back. I had my grandson go in and talk to them and he told them to take me off of overdraft protection and if the money is not in the account simply deny the transaction so shes not getting all of these charges. Your taking all of her money. But that hasnt helped they still run a XXXX XXXX debit through 2 or 3 times and charge me XXXX to XXXX dollars two or three times a month. They are taking my social security and my money for my medicine isnt there something that can be done. Please help me thank you for your time.
Consumer complaint received 2015-10-13
Product: Credit card — 
Issue: Other fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Dear Sir or MadamThis is with regard to XXXX credit cards that I have with the Bank of America. They are on behalf of XXXX. 
A number of times in the past eighteen months I was charged a {$1.00} fee for reasons I do not understand. Each time when I called, an agent removed them. When I questioned what the fee was for, I was told it was because I had a credit and I had not used the card that month. This is absolute nonsense! 

I pay a yearly fee for the card. There is no requirement that I use the credit cards at any time. Yet, one can see in the attached XXXX bills, Bank of America charged me a {$1.00} fee for each of the cards. Payments were not made late. There is no explanation as to why a fee was charged. 
I am wondering if Bank of America is charging a fee to other customers without justification. I believe this matter should be looked into. 

I awat your reply. Thank you.
Consumer complaint received 2015-09-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (NY)

I found a {$59.00} request for collection on my credit report from a company called Mercantile Adjustment to collect on behalf of XXXX XXXX. I called XXXX XXXX and they could not find any record or reason anything would go to a debt collector ( I called again and their " systems were down '' ). I called Mercantile Adjustment to get the account number they are referencing and I was told it was at a " Special Desk '' and they could n't access any information on it. They could not even look it up or get me the XXXX XXXX Account Number. I should not have to spend hours getting rid of a false debt collection for {$59.00} on my perfect credit record. When I called XXXX XXXX again and gave them the address ( which I found on the credit report ), they finally found the account and agreed that they never sent me an invoice and that I was never notified about it. They said if I do n't agree with the charge, I must fill out paperwork, etc. to dispute it. I said it would just be cheaper for me if I just pay it, since I do n't have the time to spend on the dispute. They told me I need to call the collection agency and pay it there ( even though they ca n't access it ). I then asked to speak with a supervisor, where I had to wait on hold for over 10 minutes. Then the supervisor said she is going to keep this as a late payment on my credit report, because it was an old charge. I told her that I never opened an account with them for it, and I never received an invoice, so how can it be late? She then put me on hold for another 10 minutes. Finally, she let me make a payment for it ( even though I do n't even think I owe it ), which I did. But she says it going to stay on my credit report because in her opinion she thinks that I am " late ''. I believe this to be unfair/illegal collection efforts and improper use of credit reporting practices.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, 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 XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I did not authorize these inquires. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did Not authorize anyone employed by these companies to me an inquiry and view my credit report. This is a violation of the Fair credit Reporting Act section 1681b ( c ) and is a serious breach of my privacy rights
Consumer complaint received 2015-05-06
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NJ)

I have applied few times to get help for mortgage assistance with my XXXX delinquent HELOC Acct 's Wells Fargo delayed the process, and kept telling me I do n't qualify for a mortgage modification with out reviewing the attached package. I am frusterated with no response from my lender, delay after delay with no request in review after I have taken time to fill out all their requested paperwork. Please help me resolve this matter - I have a hardship and I am seeking for assistance, Thank you