davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I 've had the same checking / atm access account with Bank of America for almost 30 years. While reviewing the XX/XX/ Statement, I noticed a XX/XX/ withdrawal transaction of {$200.00} in addition to a related {$2.00} fee charge with the reference " XXXX XXXX # XXXX WITHDRWL XXXX  XXXX XXXX XXXX XXXX MO activity type withdrawal '' I immediately contacted Bank of America Customer service to inform them, that I have never been in Missouri, and I certainly did n't take any cash out of any ATM at that location, at any time, let alone XX/XX/. 
They issued a temporary credit and said they 'd investigate. 
Approximately a month later I got a form letter saying they 'd investigated my complaint, said it was an valid withdrawal, and again re-charged my account the {$200.00} + {$2.00} service charge. Nine calls later, over the course of approximately 3+ hours, Bank of America has yet to provide any explanation validating this charge to my account. On 4 separate  occasions, their telephone service representatives assured / promised me that they would get me a detailed explanation by the following day or two. I heard / got nothing. All they eventually said is that it 's likely someone at some other ( different State ) card use, skimmed my card and pin number and subsequently produced a fake card to take out money from my account. The fact that Bank of America is so flippant about the fraudulent removal of money from my account is alarming. The fact that with all their hopefully sophisticated anti-fraud technology, they did nothing regarding an ATM transaction from a State ( Missouri ) where their customer ( me ) had / has never been suggests an appalling lack of the most basic responsibility that a financial institution should have towards those who entrust it with money. If this is the level of security now being provided by nationally chartered banks, then one might want to start considering keeping one 's money under the mattress, because it certainly is n't safe with Bank of America. At best, they 're incompetent. As worst, they facilitating or committing bank fraud upon their customers.
Consumer complaint received 2017-11-15
Product: Credit card or prepaid card — Store credit 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: Army and Air Force Exchange Service (AP)

XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX placed 3 orders on phone, please see detailed below. 

XX/XX/XXXX noticed I was over charged and called to dispute three over charged. 

XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX asked for refund status, provided their store policy to proof I was able to price match with coupon, asked if they got phone conversation records. 
XXXX XXXX XXXX XX/XX/XXXX was told she should have information by the end of week, but have not heard from her since. 

Order # XXXX Invoice shows {$88.00} was charged, but additional {$97.00} was added on my credit card without my consent. {$97.00} needs to be disputed. 

Order # XXXX Invoice shows {$100.00} was charged, but additional {$100.00} was added on my credit card charges without my consent. {$100.00} needs to be disputed. 

Orders # XXXX Invoice shows XXXX was charged, but additional {$97.00} was added on my credit card chages without my consent. {$97.00} needs to be disputed. 

Refund ( XXXX+XXXX+XXXX+XXXX ) have been credited, but still shows as {$17.00} is needed to be credited to my card, but I do n't think I should be satisfied just because they refunded me some. Also, the amount they refunded me was price match amount found from XXXX, but the time I placed my orders the prices were cheaper. Why should I pay for their mistakes? Besides, the price match is already done, and I should get refunded on unthorizated charges not whatever the amount they feel like to give to me.
Consumer complaint received 2024-10-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: U DRIVE ACCEPTANCE CORPORATION (OH)

These are all violations there are being reported All companies and entities have been notified of these complaints that been outlined an circled as violations Violations Identified : 1. Sum of All Charges Not Clear ( 15 U.S.C. 1635 ) : * The total amount financed and fees charged are listed across different sections ( e.g., cash price, registration fees, insurance, GAP coverage ), but there is no proper itemization that clearly adds up all charges for transparency. 
* This violates Truth in Lending Act ( TILA ) requirements, which demand clear disclosure of all charges. 
2. Insurance Coverage Not Included ( 15 U.S.C. 1662 ) : * The contract mentions that the buyer is required to have physical damage insurance, but it does not indicate whether insurance was included or confirm proof of such coverage. Instead, the dealer retains the right to impose additional insurance costs if the buyer fails to provide it. 
* Failing to properly document insurance coverage or provide notice to buyers can create confusion and is considered deceptive. 
3. Misleading Cash Representation : * There is mention of a cash payment or down payment in some sections ; however, no actual cash-in-hand was provided to the buyer. This discrepancy misrepresents the nature of the transaction, violating fair lending practices. 
4. Use of GPS and Starter Interrupt Devices Without Consent : * The addendum discloses the installation of GPS tracking and starter interrupt devices, which may disable the vehicle if payments are missed. This provision violates privacy rights and imposes undue control over the borrower without reasonable notice or approval. 
* It also waives privacy rights inappropriately, which is not fully compliant with consumer protection laws. 
5. Unfair Arbitration Clause : * The arbitration agreement limits the borrowers ability to pursue class action lawsuits or seek full legal remedies, which can be deemed unfair under federal law.
Consumer complaint received 2024-10-22
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commonwealth Financial Systems, Inc. (MI)

XXXX XXXX was asked to validate debt and they said its not their responsibility to prove debt was sent to correct address XXXX XXXX then damaged credit score by XXXX points after not validating debt and blocked calls when I reached out. XXXX XXXX  Has acted in a untrustworthy and harassing manner and has been unwilling to resolve any issues but has continue to add hits to credit to persuade payments
Consumer complaint received 2017-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I recently had an account start reporting on my personal credit history. I had not had a XXXX account report for many years. I made my last payment and closed my account. On my personal credit report, it shows that I have an open account with XXXX and it was closed and charged off in XX/XX/XXXX. Also, when you open a XXXX account you have to pay {$30.00} upfront and they state that the {$30.00} will be your first payment. They did not consider my {$30.00} my first payment and showed me late and each time I made a payment when my email alerted me, I was considered late and they would add interest. I did not know this at the time but I looked at this document and saw the way they were overcharging me. They never credited my first {$30.00} as they stated and they would send me paperless bills to my email and then consider my payment late even though they were billing me. I have submitted dispute after dispute to both the credit bureaus and the creditor with the address that is located on the credit report. I received a letter from XXXX stating that they transferred my account to another lendor and I should contact them. I have the letter as proof. It also shows that I paid the balance in full and then they added a COFINCHRG of XXXX and a COFINCHRG of XXXX. I was not aware of this. I had no idea that after paying my balance off online and having a {$0.00} balance that they would add any kind of extra charges. They never informed me. You can see the consistent payments on the statement they sent me as well. It was not a charged off account. The creditor has it listed as a charged off on my personal credit reports, I have attached them. And the last date of payment was is showing in XX/XX/XXXX. It shows on the document from XXXX that the last date of payment is XX/XX/XXXX. I sent the credit bureaus this proof as well and they still refuse to acknowledge that it is a fraudulent account that does not match my records. They may have me confused with another person but I never paid my account in a charged off status.
Consumer complaint received 2017-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently had an account start reporting on my personal credit history. I had not had a XXXX account report for many years. I made my last payment and closed my account. On my personal credit report, it shows that I have an open account with XXXX and it was closed and charged off in XX/XX/XXXX. Also, when you open a XXXX account you have to pay {$30.00} upfront and they state that the {$30.00} will be your first payment. They did not consider my {$30.00} my first payment and showed me late and each time I made a payment when my email alerted me, I was considered late and they would add interest. I did not know this at the time but I looked at this document and saw the way they were overcharging me. They never credited my first {$30.00} as they stated and they would send me paperless bills to my email and then consider my payment late even though they were billing me. I have submitted dispute after dispute to both the credit bureaus and the creditor with the address that is located on the credit report. I received a letter from XXXX stating that they transferred my account to another lendor and I should contact them. I have the letter as proof. It also shows that I paid the balance in full and then they added a COFINCHRG of XXXX and a COFINCHRG of XXXX. I was not aware of this. I had no idea that after paying my balance off online and having a {$0.00} balance that they would add any kind of extra charges. They never informed me. You can see the consistent payments on the statement they sent me as well. It was not a charged off account. The creditor has it listed as a charged off on my personal credit reports, I have attached them. And the last date of payment was is showing in XX/XX/XXXX. It shows on the document from XXXX that the last date of payment is XX/XX/XXXX. I sent the credit bureaus this proof as well and they still refuse to acknowledge that it is a fraudulent account that does not match my records. They may have me confused with another person but I never paid my account in a charged off status.
Consumer complaint received 2017-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (NY)

I opened an American Express Starwood Preferred Business Card in late XX/XX/XXXX due to the enticing XXXX open account reward promotion. I have met the spending requirement of XXXX dollars in XX/XX/XXXX, however, the reward points promised never showed up in my Starwood Reward Program account, where my previous points from the American Express cards appear. Three attempts to communicate with American Express were made roughly 1 month apart starting in late XX/XX/XXXX. Each time, I was promised the points will be awarded. To date ( XX/XX/XXXX ), three months after the requirements were met, I have not seen any rewards.
Consumer complaint received 2017-11-15
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. (PA)

I have a loan that was on Identity Theft & fraud by XXXX XXXX bank that was not sign by me as the California All Purpose Certificate Of Acknowledgement was for corrections & power of attorney for the instrument being the deed of trust. 

I did not sign nor was or appeared before the notary/notary agent on this document I have identity theft and fraud by the said parties XXXX XXXX & the notary/notary agent hired by them.
Fraud & Theft on the instrument for the Deed of Trust
Consumer complaint received 2017-11-15
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

At XXXX XXXX on XX/XX/2017 ... We received yet another telephone call from ( XXXX ) XXXX. The caller ID listed the number as belonging to Portfolio Recovery. When the voicemail came on the caller hanged up. We immediately called the telephone number back. We spoke to a Representative that identified herself as being XXXX XXXX. I advised this Representative XXXX that earlier this date, I spoke with another Employee, namely XXXX XXXX. It was the same type caller showing the same caller ID ... ( Portfolio Recovery ... that hung-up when the voicemail answered the call at XXXX XXXX on this same date, XX/XX/2017. We have at least Three ( 3 ) calls this week from Portfolio Recovery. ( The numbers were ( XXXX ) XXXX ... @ XXXX XXXX and @ XXXX XXXX ... and ( XXXX ) XXXX @ XXXX on XX/XX/2017. ) After speaking with the last Representative XXXX, I requested to speak with a Supervisor. Minutes later a Supervisor whom identified himself and XXXX XXXX came on the call. I advised Him that I had requested earlier today that " NO MORE CALLS '' ... be made to Our number ... YET ... I received another just a few minutes ago. This is Telephone Harassment and I want this to cease.
Consumer complaint received 2017-11-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CO)

On XXXX/XXXX/2017 I received a call from Navient stating that I have three loans with them, which is incorrect. I only have two loans with Navient, no third loan appears on my login.
Consumer complaint received 2017-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Equifax Information Services, LLC. XXXX XXXX XXXX XXXX, GA XXXX has not reported my payments accurately for the month of XXXX 2017. The last reported balance is on XXXX-2017. The current balance is XXXX
Consumer complaint received 2017-11-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Rausch Sturm LLP (MD)

I received a letter in the mail requesting collection of debt XX/XX/XXXX for a XXXX card. The letter I received says I allegedly owe {$1400.00}. I contacted XXXX to verify what information was in their system to validate the legitimacy of the letter, at which point I was informed that the debt was being managed by a separate collection agency/law office. I found this odd because the debt was not on my credit report and in XX/XX/XXXX, I received a letter stating my inactive account was being credited for an identity or credit protection service I had during the time my account had been active. Also in XX/XX/XXXX, I received in the mail a pre-approval letter for the XXXX XXXX XXXX card, which further confused me. Yesterday, XX/XX/XXXX, I received another XXXX card offer for a XXXX XXXX card. If I had outstanding debt with XXXX, why would I be eligible for their top cards? 

The 3rd party organization also sent a letter claiming to file a foreign judgment with the current state I 'm living in, which I do n't even understand what that means. 

This matter has resulted in further research and I uncovered that XXXX broke the law by providing inaccurate and inflated interest rate information for about 130,000 credit card accounts it sold to debt buyers. The bank also was accused of failing to promptly forward about 14,000 payments from customers, totaling about XXXX XXXX, to the debt buyers. When I reached out to the 3rd party company that sent the letter, I was told that only {$200.00} worth of payments to XXXX was recorded associated with the inactive card account, which again makes no sense. 

I also learned that from at least XX/XX/XXXX to XX/XX/XXXX, XXXX used misleading statements to get people to sign up for debt protection services, and charged for credit monitoring services it sometimes did n't provide, the consumer protection bureau said. XXXX also charged a {$14.00} fee for same-day payment on delinquent accounts, a service that most users did n't need, according to the agency. Which I had clearly been a victim of due to the refund letter received.
Consumer complaint received 2017-11-15
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (IN)

I receive calls about my supposedly 1 late payment multiple times per day. I get anywhere between 5-11 calls per day. It seems that they are harassing me because I made the last payment the day the billing statement came out and when I spoke to them they said that did n't count toward that month. I can understand 1 call per day but 5-11 calls per day is just harassment.
Consumer complaint received 2024-08-28
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)

I file a complaint because I did not consent to, authorize nor benefit from any of the following inquiries or accounts. 

ACCOUNT NAME : XXXX XXXX  XXXX XXXX XX/XX/XXXX {$750.00} XXXX  XXXX XXXX XX/XX/XXXX {$750.00} EQUIFAX= XXXX XXXX XXXX XX/XX/XXXX {$750.00} XXXX XXXXXXXX XXXX XX/XX/XXXX {$680.00} EXPERIAN= XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$9900.00} EQUIFAX= XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX {$9900.00}
Consumer complaint received 2017-11-15
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Windham Professionals, Inc. (CT)

On XX/XX/XXXX17, debt collector stated that they could not determine the schedule of direct deposit payments even though a copy of the monthly statement from my personal checking account was provided two days prior. Debt collector also requested copy of entire XXXX in order to estimate average income even though total household income was provided weeks previously. I believe they are delaying the repayment process in order to to real more interest against the account. Current debt has ballooned over {$50000.00} since account was transferred to XXXX XXXX and they have not clarified the schedule of interest applied to the original loans. They also call my cell during the week and weekend at all hours of the day from two separate numbers.
Consumer complaint received 2017-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CITIBANK, N.A. (DE)

I have XXXX citi card which was expired in XXXX XXXX, XXXX sent me a letter indicated I had a bankruptcy or a bankruptcy or a charge-off on another Citi card and the card will not be issued, this is totally incorrect information, I never had a bankruptcy or other Citi card except XXXX citi card. In order to clarify, I called your citi customer service XXXX times and XXXX credit bureau : XXXX XXXX XXXX XXXX, spent hours and found out nothing wrong with my credit, I also faxed my credit report from the above three credit bureau to citi and received a letter informed me my account was closed, I called citi customer service and they were very rude and refused to check my credit. they also refused to refund my rewards and membership. This is unacceptable.
Consumer complaint received 2017-11-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (MN)

I pulled my XXXX Credit report on XX/XX/XXXX. On XX/XX/XXXX I contacted XXXX to update and correct my personal information. One of the things I was seeking to correct was a misspelling of my maiden last name, listed on my report as XXXX. My maiden last name is correctly spelled XXXX. I was informed I could not remove this misspelling because it was tied to an account being reported by Diversified Consultants. I informed the rep that I have not ever conducted any business under the last name of XXXX and this has never been my name. She initiated a dispute at this time. On XX/XX/XXXX I received an email stating the results of my dispute were in. This account came back as verified. I was provided with no information as to how this account was verified. How can an account be verified under a name that is not mines? I have conducted no business under this name.
Consumer complaint received 2017-11-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BBVA FINANCIAL CORPORATION (GA)

Hello $ XXXX+ATM Fees {$2.00} Plus {$25.00} Gas Was Stolen Out My Account I 've Been Scammed Also With A XXXX Check That Whoever Rried To Deposit In My Account {$400.00} XXXX XXXX XXXX XX/XX/XXXX At XXXX {$25.00} Gas At XXXX XX/XX/XXXX XXXX {$60.00} XXXX XXXX XX/XX/XXXXXXXX I 'm With Simple Bank BBVA Compass
Consumer complaint received 2017-11-15
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: DLG LLC (MD)

I received a phone call from a process server trying to reach me to serve papers for a civil case. This is a debt that is from 2005. I have not had any communications with this company previous to today. The person on the line by the name of XXXX with DLG collections was very abusive and insulting. They advised me that I am being sued for a debt of XXXX for a car that was financed for XXXX with payments made for 5 years prior to repossession. The amount owed after repossession was XXXX which I recall was paid in full.
Consumer complaint received 2017-11-15
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: American First Finance, Inc. (MO)

We were at XXXX XXXX XXXX XXXX XXXX in XXXX, MO looking for furniture on XX/X/2017. They were offering a 90 day interest free financing promotion. We were in the process of closing on a mortgage and asked multiple times if a hard credit inquiry would be done for the promotion. We were told that no hard inquiry would be done on our credit. Due to this, we decided to go ahead with the promotion, and immediately after the application was submitted we were alerted to a hard credit pull on our bureau. We immediately contacted American First Finance in  XXXX, KS, in order to withdraw the application and have the inquiry removed from our credit history as we did not consent to a hard inquiry. They refused to remove the inquiry from our bureau. The representatives of the furniture store were all under the impression that there was no hard credit inquiry for the promotion, which is the only reason we agreed to move forward with the promotion.