davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-04
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

I am writing to formally submit a complaint against Bank of America regarding the termination of my account, as communicated in a letter dated XX/XX/year>. The letter states that the termination was due to irregular transactions or other activity on one or more of your accounts, with us and or our affiliates, or on your credit profile. 

Since receiving this notification, I have made multiple attempts to contest the termination through both written correspondence and phone calls to Bank of America. Unfortunately, these efforts have not resulted in any changes to my credit standing. 

I believe that this adverse action may violate my rights under the Equal Credit Opportunity Act. The relevant provisions concerning extensions of credit reads as follows : Action concerning existing open-end accounts ( 1 ) Limitations. In the absence of evidence of the applicant 's inability or unwillingness to repay, a creditor shall not take any of the following actions regarding an applicant who is contractually liable on an existing open-end account on the basis of the applicant 's reaching a certain age or retiring or on the basis of a change in the applicant 's name or marital status ( iii ) Terminate the account. 

I have consistently made timely payments, as documented in my XXXX XXXX report, and there is no evidence to suggest that I have been unable or unwilling to meet my financial obligations. 

Furthermore, I have recently submitted instructions to Bank of America for the transfer of ownership of my security bond to me, including directives regarding the handling of proceeds for future payments. I trust that Bank of America will fulfill its obligations in securing payments and distributions made by the issuer of my financial asset, ensuring that future payments continue to be made on time.
Consumer complaint received 2017-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (IL)

I 'm filing another complaint in regards to Equifax reporting an account on my credit report that they should n't be. XXXX XXXX XXXX XXXX responded to a complaint I filed on them via the CFPB where there 's a law that states that after a car has been repossessed that " Your creditor must give you a written notice informing you of these rights within 3 days of the repossession. You can only get your car back in this way one time during the contract. '' I will attach the documents to the case. I was never given the 3-day notice and I have the proof. Also, XXXX XXXX XXXX XXXX responded back that they 'll reach out to the credit reporting agencies to get it removed also will attach. Now my issue will Equifax that they have removed this same item 2 or 3 times and reinserted it without notifying me prior to doing it as it is a law that states that as well " the credit bureaus must notify you within 5 days of the re-insert date ''. Please see that the item was deleted added back on, deleted added back on several times. They are the only credit reporting agency that keeps doing this no one else is reporting it. This has caused my score to drop significantly. Also, I 'm not getting approved because of it. Please review all documents within this complaint. The last time they responded back it was n't relevant at all to the case it was a systematic response.
Consumer complaint received 2022-11-25
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc. (CA)

Even though it was working flawlessly when I first used it, when I try to use my Vanilla gift credit card on their website to check the amount again, I get a message saying there was a problem and to try again later. 
My third Vanilla gift card has experienced the same issue. I'm writing this feedback since I essentially wasted {$100.00} doing nothing ( my fault for making a third purchase from them ).
Consumer complaint received 2017-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX/XXXX paid in full and agreed to removal from all 3 credit bureaus. XXXX XXXX charged off but reporting twice XXXX paid in full never late agreed to removal from all 3 credit bureaus.
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account ( XXXX  ) : ( XXXX ) Please investigate and provide Proof with statements showing that these pavments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Consumer complaint received 2018-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

In XX/XX/XXXX -XX/XX/XXXX time frame I had contacted Capital One in order to be proactive advising them that my husband had been admitted to XXXX for a XXXX XXXX and I was having financial hardship from only having 1 income and wanted to avoid my credit from being ruin was there anything I could do I couldnt afford the amount of payments on both my accounts. I was entered into a financial hardship program for both cards. They told me once I was approved I had to make 3 payments on time and the past due amount would go away. That never happend on 1 of the cards and it is reporting against me as past due affecting my credit report. I had called in the beginning in XX/XX/XXXX and XX/XX/XXXX and was told by I think XXXX once I made 3 payments that past due amount go way. Still never did. I called today XX/XX/XXXX XXXX told me its a computer glinch and Capital One trying to fix it I told her NO that is not true because if it were then how is my XXXX card fine but the XXXX XXXX is reporting past due and I am in the program on both. Once I refuse to accept that answer she comes back to tell me I have to pay {$72.00} in order to bring it current and this was never told to me before and how was I approved for this program and never told this until today she claims there are no notes from the 3 previous conversations THAT STRANGE I asked her isnt that weird there are no notes of our conversation but yet they see I called she agreed. I wanted to speak with supervisor was told I had to wait to get a call back she wasnt sure when or who it would be REALLY and this is wrong I want my credit fixed and Capital One to beheld responsible I worked hard to repair my credit which is ruin because of them.
Consumer complaint received 2018-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Sterling Infosystems Inc. (AZ)

On or about XX/XX/2017, XXXX XXXX XXXX completed an order for XXXX in XXXX XXXX, CA about me. ( Order XXXX XXXX, XXXX XXXX ) In this report were items about me that are outdated, and it being a 'Level 3 ' report, criminal records were disclosed that are more than seven years old plus.

I don't know the scope of 'level 3 ' reports, but this one led to an adverse action taken by the company, XXXX . 
I strongly urged the company to remove said records about me, for I am in the process of paying the courts back all of their fines and fees imposed pursuant to statute and orders, pursuing restoration of my civil rights, and have not been a recidivist. 
I hold a Level 1 fingerprint card with Arizona Department of Public Safety, and this type of information does not accurately reflect my current activities within the public sector and private. 
I will pursue any and all remedies available to me as a consumer including litigation. 
Please kindly reply with your response to my request, as this is not the only report that has led to adverse action against me as an applicant. 
I take great care of patients, clients, and hold the highest level of clearance this state offers for student doctors, and investigators. 
Adverse action was taken by two different employers that included being denied employment solely on the grounds of the existence of this slanderous information.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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.

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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-03-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC. (WI)

I have received your response to my request for billing statements, however ; it is insufficient. My original complaint cited fraudulent activity as the cause of the overdraft. The statement and letter you submitted does not prove or disprove the cause of the overdraft. I never received the attached notices ( most likely due to relocating ) and stopped using the account long before XX/XX/2013 as the letter specified. It is my desire to resolve this one way or another but I need to be sure the overdraft was not caused by fraudulent activity.
Consumer complaint received 2024-10-14
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (MD)

I called Chase Bank because the math wasnt adding up between my pending charges and what was reflecting on the app and I was very confused. I felt like I couldnt get the answers I needed so I did escalate to the supervisor, XXXX. My complaint lies with him because he was extremely rude and it was obvious he didnt care what I had to say and wanted to get me off the phone. We went through the math and it still wasnt adding up for me and I was proceeding to tell him that I think theres an issue with how pending charges are reflected on the app and he needs to escalate this to technical support. I couldnt get that far as he kept cutting me off and interrupting me. I told him he wouldnt let me talk and he said its because there was a delay but I was in the middle of my sentence. He wouldnt hear any of it and ended up hanging up on me. I am going to be closing my account because of this experience. XXXX needs some coaching on what it means to be a supervisor in customer service because this wasnt it.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2017-08-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FRANKLIN AMERICAN MORTGAGE CO. (LA)

During XXXX of XXXX, I made an extra payment that should have gone entirely toward principal in the amount of {$40000.00}. My servicer at the time ( Franklin American Mortgage Company ) broke this payment up into 8 separate payments that were applied as follows : XX/XX/XXXX {$1200.00} ( future payment ), XX/XX/XXXX {$10000.00} ( Principal payment ), XX/XX/XXXX {$1200.00} ( future payment ), XX/XX/XXXX {$10000.00} ( Principal payment ), XX/XX/XXXX {$1200.00} ( future payment ), XX/XX/XXXX {$10000.00} ( Principal payment ), XX/XX/XXXX {$1200.00} ( future payment ), XX/XX/XXXX {$10000.00} ( Principal payment ). So, a total of {$37000.00} was correctly applied to principal, however {$5000.00} ( or 4 payments in the amount of {$1200.00} ) was not applied. I continued to make my usual payments each month, which pushed those 4 " future payments '' further out until my loan was sold to XXXX XXXX and they notified me of the future payments and applied them to my balance in XXXX of XXXX. I am concerned that I was never notified of the unapplied funds while with Franklin American Mortgage Company and paid a much higher interest payment each month for years, because the funds were not applied correctly. My current balance should actually be much lower.
Consumer complaint received 2018-02-08
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (CT)

For the longest time I believed I was dealing with XXXX XXXX for student loans. A few months back I received a call about a lawsuit against naviant concerning the loans. I ignored it thinking I had XXXX XXXX. Last month I started to repeatedly get emails from naviant about being behind on my loan payments. First time hearing about this and first time finding out they held my student loans. I went to the site and looked up my account, there is a late fee of over 400 $ that was applied and when I try to change the loans or defer it I get sent to another site where I have to make another account. As I look at the statement I'm seeing charges, multiple charges, that were all listed with the same day. Almost XXXX XXXX  $ or more charges a piece on the same day. And that day hasn't even occurred yet. It says XX/XX/2018. Which is even more confusing. So I looked up about this lawsuit with the company and it stated to make a complaint if I see or have an issue and from what I'm seeing, something isn't right and I need it deferred.
Consumer complaint received 2024-10-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC. (NJ)

I opened up an account with Robinhood a while ago, recently they closed my account. I wrote them an email to their support team. " This account is closed and cant be reopened " is what they told me over the email. I still have more than {$1000.00} locked in the account
Consumer complaint received 2018-03-22
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. (NV)

I have tried numerous times to get this non-compliant reporting situation fixed. Experian credit reporting agency is now in violation several times for not following the Metro 2 Five points of compliance e-oscar  reporting under the Fair Credit Reporting Act.

The Metro 2 Five points of compliance clearly states the following ... 

**1 e-OSCAR is a web-based, Metro 2 compliant, automated system 2 CRAs include XXXX , Experian , XXXX and XXXX , their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies. 

3 ACDVs initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher 4 The ACDV is returned to the initiating CRA with updated information ( if any ) relating to the consumer 's credit **5 If an account is modified or deleted, carbon copies are sent to each CRA with whom the DF has a reporting relationship. 

I have now had the same file deleted off two other data furnishers, but Experian continues to claim that they are verifying this account. 
This is a clear violation of # 5 of the metro 2 5 point compliance rule. They are to modify or delete when another data furnisher does. 

This account is not non-compliant, Experian refuses to remove this account and claims to continue to verify this account. 

I have even asked them to provide a certificate of compliance that went ignored as well. 

My next step is to take this case to court and sue for a large sum as this is affecting my day to day life. 

I have all the evidence I need to support my case. I will attach some of it with this complaint.
Consumer complaint received 2018-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

In XXXX Bank of America suddenly locked me out of my online account until I typed in my full social security number and full credit card number. That's a huge identity theft concern. I kept trying for a couple weeks and finally called them. After 45 minutes waiting for a live person they told me that they refuse to change that policy, and also I had a late fee for making ( I thought ) XXXX 's payment in early XXXX before they locked me out of my online account, but it was too early in XXXX to count towards XXXX. That part is my fault, I'm not blaming them for that. I then paid the full balance by phone and verified a few days later that I had a zero balance. Last week I decided to close the card completely which I successfully did and confirmed by phone with a live person that the card is closed and I have a XXXX balance. Today I got a bill for {$1.00} on the closed account. Thank goodness they actually sent that email or I would have no idea I was still being charged. I tried unsuccessfully to get through to a live person and gave up and paid the {$1.00} by phone. 

I am hoping that is simply a finance charge from XXXX 's activity. If they start trying to charge me a finance charge on a finance charge I am going to have a problem with it.
Consumer complaint received 2017-08-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (NC)

During the month of XXXX I deposited about {$300.00} into my Coinbase wallet for Etherium and Litcoin, once I deposited the money my account was immediately locked and I have been unable to access buying or selling currency, I had the intention at the time to deposit over {$10000.00} into the account because Etherium was on a dramatic rise. It 's been 3 months ( XX/XX/XXXX ) and I am still unable to access my funds of $ 1,200+ now, I really need the money as I must pay a medical bill of {$1500.00}. I have received one human message in XX/XX/XXXX about them looking into the issue, never heard back, and their excuse on the site is they are overwhelmed. There are thousands of complaints on social media of this exact same issue and they are not taking care of it all.
Consumer complaint received 2018-03-21
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AES/PHEAA (NY)

I have an ongoing dispute with XXXX. I believe my federal loans were inappropriately capitalized, adding over {$19000.00} to my loan amount. I have disputed this with XXXX and they have been reviewing it for over a month, no one can explain or give me a response. I have supporting documents as well. I submitted my recertification paperwork 1 month early. I was forced to do it by paper because XXXX had not updated my name change despite submitting the paperwork needed over 4 months prior. The day before I was notified that there was an issue with the recertification my interest was capitalized. 5 days after receiving the notice that there was an issue with my recertification paperwork, I was able to recertify online ( since my name had finally been changed ) and was officially recertified for IDR for the upcoming year. My plan was never changed, I never had to go into forbearance and yet they capitalized my interest before my plan actually had to go into forbearance. Below is the timeline of events : XXXX : call and file upload of name change and supporting documents, name never changed and unable to file IDR online because name was not correct XXXX : paper IDR request submitted XX/XX/XXXX : last day to submit IDR request XX/XX/XXXX : interest capitalized ( {$19000.00} ) XX/XX/XXXX : IDR Denied ( via message, 1 question not answered per XXXX ) XX/XX/XXXX : new IDR submitted online, called XXXX and would expedite XX/XX/XXXX : new IDR approved XX/XX/XXXX : new payment amount started ( never payed higher amount, never went into forbearance )
Consumer complaint received 2017-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NC)

I would like validation of the credit application and signature sent to my mailing address. I do n't want any verification through any other company. I would like this removed from my Credit report if there is no valid validation.