davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: M&T BANK CORPORATION (NH)

I opened and M and T Premier checking account XX/XX/2020. The promotional terms were {$500.00} which I completed on XX/XX/2020. The bank confirmed my promotion and instructed me to wait. I waited the 90 days and now they state I am not able to receive a promotion .I spoke to the bank at least 5 times and they had many opportunities to inform me. They made me send identify documents twice. I feel they are being deceptive as they also charged me {$14.00} in service fees for 2 consecutive months. They had no intention on paying this promotion and merely bilked me for fees. I have attached all the records I have kept, and a copy of their promotion.
Consumer complaint received 2020-08-21
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: INTERCONTINENTAL CAPITAL GROUP (MD)

Settlement date is XXXX XXXX, 2020. Today is XXXX XXXX, 2020 and I have not received the Closing Disclosure from Intercontinental Capital Group. Intercontinental Capital Group has not responded to emails or telephone calls from myself and my realtor regarding the situation.
Consumer complaint received 2020-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: JPMORGAN CHASE & CO. (WA)

I separated from my wife in XXXX after finding out she was taking out lines of credit and credit cards in my name without my knowledge. We divorced in XX/XX/XXXX. At that time she was awarded the family home and I signed a quit claim deed. I Had to file Chapter XXXX I clouding her and the family home for added protection. Chase mortgage was included and surrendered collateral on home. Everything has been fine until this year in XXXX when my bankruptcy fell off my report. Then XXXX  reported this home on my report due to my ex wife being behind in loan payments. I contacted them as I and my new wife were trying to buy our own home. Sent them all this information and contacted Chase. But both companies refused to remove.
Consumer complaint received 2021-01-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (OR)

I am working with Lakeview loan care servicing on what I have been lead to believe are escrow funds that they owe me in the amount of {$2900.00}. I have complied with all of their requests and they continue to delay the disbursement of funds that I am rightfully owed. According to their records a check was sent in XXXX that was never deposited. I did not receive this check and was not alerted it had been sent until I received a letter ( attached ) from them in XXXX of XXXX informing me that the check had never been deposited. The letter informed me that if I requested the funds be resent by XX/XX/XXXX I would receive payment no later than XX/XX/XXXX ( 8 weeks ). After the XXXX passed I called again on the XXXX to ask what had happened and their representative informed me that nothing had been done on their end and that she had put in a request for the funds to be cut and mailed no later then the XXXX of XX/XX/XXXX. I called on the XXXX of XX/XX/XXXX to confirm that this had happened and was informed by another representative that this also had not happened. If I had owed them this money to them for XXXX+ years I would undoubtedly be in collections at this point.
Consumer complaint received 2021-01-07
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: EQUIFAX, INC. (TN)

Last XXXX.2020 I've file documentation regarding to those unknown and inaccurate accounts that I found on my credit report. It cause me a lot of stress since no response yet its almost 60 days now. Im a victim of Equifax Data Breach and I demand to REMOVE ASAP those accounts on my credit report or I will file a litigation.
Consumer complaint received 2020-08-21
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Tenaglia & Hunt, PA (NJ)

Since XX/XX/2020, I have been trying to obtain the outstanding balance of a debt that is in collection, so that I can pay it in full and have wage garnishment stopped. Due to the pandemic I will most likely be out of employment so I'm trying to resolve this debt for good. I contacted the firm to get a settlement amount and was advised that it was not an option and that I had to pay the current amount owed in full. This law firm has not returned emails sent to them on XX/XX/2020, and XX/XX/2020. I have made calls on a almost daily basis. When they call me back they do not leave a message, or if I pick up the call drops. When I go on their website to find out my payment history from the wage garnishment, it does not show payments credited to the account or the outstanding balance on the account.
Consumer complaint received 2021-01-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (MO)

we have used paypal for a few years and this last summer i was sent an email that stated my account was on limited and i was not able to obtain XXXX of my money for 180 days i waited the 180 to come back to my account and they had deposited into their own account and then said i had not followed the user guidelines ... .we sell consumer XXXX  everything that i do is by the law - there is nothing not a trace stating that i can not sell XXXX  and use the service to obtain funds for transportation again nothing that does not adhere to the law - ive never been told anything other than they won't give my money back. i am a XXXX XXXX and this is absolutely stealing and i really need some help.
Consumer complaint received 2021-01-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have a credit card through Bank of America, opened 13 years and 1 month ago. I have been a loyal customer and paid on time for years until I was impacted by the Coronavirus pandemic as well as a personal XXXX  crisis. I lost my job in XXXX as a result of the pandemic, and also contracted XXXX  while XXXX, which created a cascade of health issues requiring hospitalization and ultimately the XXXX  XXXX  of my son, who was then admitted to XXXX. During this time I suffered a second job loss since I did not qualify for FMLA with my new job. I attempted to login via Bank of America 's app to pay my credit card bill during this time, but was locked out of my account. In order to unlock the account, I needed the full account number, but did not have access to this, since I never received a paper bill and my household goods ( with older statements ) were in storage after being forced to move in with family ( again, due to the pandemic ). I called Bank of America on XXXX XXXX2020 once my son and I were well and requested my login be unlocked, paid my current bill as well as the next month 's, and requested the late payments reported since XXXX, 2020, be removed from my credit report. Ultimately I was denied, even after escalating the call.
Consumer complaint received 2021-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (CA)

JPMCB AUTO XXXX - The payment history on this account is inaccurate. I was never late. My credit report shows that I am 30 days late for the month of XXXX and XX/XX/2020. My payoff check to pay this account in full was delivered to Chase on XX/XX/2020. I have attached the tracking history as proof.
Consumer complaint received 2020-12-06
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.
Consumer complaint received 2021-01-07
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: EQUIFAX, INC. (CA)

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
As an INJURED CONSUMER of currently unproven compliant and or valid misinformation, I DEMAND you remove immediately the claim ( s ) as related to the alleged delinquencies and claim of CHARGE-OFF/ COLLECTION and further ANY ASPECT OF ACCOUNT potentially injurious to me. Prove alleged derogatory reporting claim of CHARGE OFF/COLLECTION is fully true, correct, complete, timely, valid, physically verifiable by document testimony certifying all data of allegation ( s ), every notation, all aspects, dates and balances, payments and balance calculations, accounting and audits, Identifications and personal identifiers, pay statuses and source codes, all 426-characters of the mandatory correct and complete XXXX statement with all of its trailing fragments, each of the sequential 386-pieces of confirmation to collection, creditor classification code, collector class code ( if any ), and all aspects of requisite perfect reporting, mentioned or not INCLUDING TO THE MANDATORY PERFECT METRO 2 FORMAT REPORTING COMPLIANCES! Compliance of reporting and VALIDITY of claim ( s ) are MINIMUM MANDATORY CRITERIA to REPORT, NOT OPTIONAL. You MUST adhere to my state and the applicable federal reporting laws or else be subject to civil action and suitable penalties and or fines for your dereliction, willful in nature OR in IGNORANCE matters not! REMOVE any and all aspects of delinquency ( ies ) and or derogatory allegation ( s ) now to OBTAIN, RETAIN, or to return to reporting with legal standing in full accordance of requisite mandates of law, be them mentioned here or not! I DEMAND you do so TODAY, even HERE and NOW!
Consumer complaint received 2021-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (MO)

Comenity bank ( XXXX  ) is still putting 30 day lates on my credit and Im not late they are hurting my credit score and Im trying to use it to accomplish something I have never been late I need this removed asap!!! Company lied and stated they would have lates removed and they havent they actually reported a new 30 day late for XXXXand a payment was made on time
Consumer complaint received 2021-01-07
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

THESE ACCOUNTS ARE STILL REPORTING INACCURATELY ON MY CONSUMER REPORT WHICH IS A FCRA VIOLATION. PLEASE CONDUCT PROPER INVESTIGATION AND REMOVE THESE INACCURATE ALLEGED ACCOUNTS IMMEDIATELY. THANK YOU I HAVE ALSO SENT IN PROOF TO SUPPORT MY CLAIM AND HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS.
Consumer complaint received 2021-01-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: American Accounts & Advisers, Inc. (MN)

I have a complaint against the company American Account Advisors, based on the response to the complaint that I made, they sent the letter but until now they ignore my Answer, there is no validation of what they are doing is violation and they are abusing their position as collectors.
Consumer complaint received 2021-01-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

As an INJURED CONSUMER of currently unproven compliant and or valid misinformation, I DEMAND you remove immediately the claim ( s ) as related to the alleged delinquencies and claim of CHARGE-OFF/ COLLECTION and further ANY ASPECT OF ACCOUNT potentially injurious to me. Prove alleged derogatory reporting claim of CHARGE OFF/COLLECTION is fully true, correct, complete, timely, valid, physically verifiable by document testimony certifying all data of allegation ( s ), every notation, all aspects, dates and balances, payments and balance calculations, accounting and audits, Identifications and personal identifiers, pay statuses and source codes, all 426-characters of the mandatory correct and complete P6 statement with all of its trailing fragments, each of the sequential 386-pieces of confirmation to collection, creditor classification code, collector class code ( if any ), and all aspects of requisite perfect reporting, mentioned or not INCLUDING TO THE MANDATORY PERFECT METRO 2 FORMAT REPORTING COMPLIANCES! Compliance of reporting and VALIDITY of claim ( s ) are MINIMUM MANDATORY CRITERIA to REPORT, NOT OPTIONAL. You MUST adhere to my state and the applicable federal reporting laws or else be subject to civil action and suitable penalties and or fines for your dereliction, willful in nature OR in IGNORANCE matters not! REMOVE any and all aspects of delinquency ( ies ) and or derogatory allegation ( s ) now to OBTAIN, RETAIN, or to return to reporting with legal standing in full accordance of requisite mandates of law, be them mentioned here or not! I DEMAND you do so TODAY, even HERE and NOW!
Consumer complaint received 2021-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have submitted disputes to all three credit reporting companies about incorrect address on my reports. They have all agreed that the only accurate address for me is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX. Yet all the other address are still listed on my credit report. One of the addresses being included on a fraudulent inquiry submitted through XXXX  on XX/XX/2020. They agreed to remove the addresses yet the addresses still populate.
Consumer complaint received 2021-01-07
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: EQUIFAX, INC. (CA)

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
As an XXXX  CONSUMER of currently unproven compliant and or valid misinformation, I DEMAND you remove immediately the claim ( s ) as related to the alleged delinquencies and claim of CHARGE-OFF/ COLLECTION and further ANY ASPECT OF ACCOUNT potentially injurious to me. Prove alleged derogatory reporting claim of CHARGE OFF/COLLECTION is fully true, correct, complete, timely, valid, physically verifiable by document testimony certifying all data of allegation ( s ), every notation, all aspects, dates and balances, payments and balance calculations, accounting and audits, Identifications and personal identifiers, pay statuses and source codes, all 426-characters of the mandatory correct and complete P6 statement with all of its trailing fragments, each of the sequential 386-pieces of confirmation to collection, creditor classification code, collector class code ( if any ), and all aspects of requisite perfect reporting, mentioned or not INCLUDING TO THE MANDATORY PERFECT METRO 2 FORMAT REPORTING COMPLIANCES! Compliance of reporting and VALIDITY of claim ( s ) are MINIMUM MANDATORY CRITERIA to REPORT, NOT OPTIONAL. You MUST adhere to my state and the applicable federal reporting laws or else be subject to civil action and suitable penalties and or fines for your dereliction, willful in nature OR in IGNORANCE matters not! REMOVE any and all aspects of delinquency ( ies ) and or derogatory allegation ( s ) now to OBTAIN, RETAIN, or to return to reporting with legal standing in full accordance of requisite mandates of law, be them mentioned here or not! I DEMAND you do so TODAY, even HERE and NOW! 
I demand the following accounts be verified or removed immediately.
Consumer complaint received 2020-12-05
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC (TX)

Paid off settlement of XXXX. Contacted company on XXXX to change report on the credit bureaus Was told i needed to wait on the next update. I was also told i did not owe anything anymore.It still shows as account open in my report.it has been 2 months on last call.
Consumer complaint received 2024-10-10
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (OH)

i have been buying these vanilla prepaid cards for years because i own a landscaping business and reward my employees with them every month or so never had a problem untill now... recently i bought XXXX prepaid card with different amount of money each XXXX and XXXX of those card where compromise i tried to use them there was no funds on all XXXX of those card.. the rest was fine.. these XXXX card had different charges with different merchants i really dont know how thats possible since they where in my possesion the whole time.. any ways i called customer service and they suggested i needed to report the transactions unauthorized on all XXXX cards and that it would take 90 days to resolve.. witch i think is ridiculous.. hopefully XXXX  can help me recover my money by either sending me new card or my refund or a XXXX XXXX ever is more convinient for them ... below i will leave the case number they gave me including the card numbers.. also i will not be buying anymore gift cards from this merchant since they are so hard to help resolve my problem and also if my issue is not resolved fast i will file a lawsuite for my money thanks in advance.. i also uploaded pics of cards and reciepts case # XXXX card # XXXX case # XXXX card # XXXX case # XXXX card # XXXX case # XXXX card # XXXX case # XXXX card # XXXX
Consumer complaint received 2021-01-07
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 — Problem with personal statement of dispute
Company: AmeriCollect (NJ)

The account referred to the collection after the payment arrangement agreement. Monthly payments paid as agreed {$35.00} monthly. The collection agency stated that XXXX XXXX said the agreement had a final payment date if not paid in full by that date report to the collection company. I made payments monthly as with Americollect but the representative stated that with the date they had to report it to all the credit report companies which as effective my score by XXXX points. I have all exceptional on my report and now this referral has hurt my perfect scores. I paid the account off in full with Americollect this morning XX/XX/2021 and another account that was recently added to Americollect without even been notified so I paid that account off as well in full. I want this removed from the collection agencies and my score reinstated. XXXX XXXX should be investigated on how the Fair Debt Law applies to consumers/ customers especially sick patients.
Consumer complaint received 2021-01-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Keynote Consulting, Inc. (IL)

DEBT COLLECTION COMPANY IS REPORTING INACCURATE INFORMATION OF A ALLEGED DEBT THAT IS NOT MINE. THEY HAVE NOT RESPONDED WITHIN 30 DAYS WHICH IS A VIOLATION AND HAVE NOT PROVIDED ANY CONTRACT BEARING MY SIGNATURE CONNECTING ME TO THE DEBT.
Consumer complaint received 2024-10-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: BMW Financial Services NA, LLC (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Date : XX/XX/XXXX XXXX XXXX I bought used XXXX XXXX from BMW dealer south Motors BMW XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX Fl XXXX back on XX/XX/XXXX. 
Mn complaint not against the dealer but against XXXX XXXX XXXX ( BMW BANK OF NORTH AMERICA XXXX XXXX XXXX XXXX AZ XXXX. 
My monthly payment was set to be {$780.00} monthly. I decided to pay the car fast to be able to buy another one for my wife as she also like it, I start pay monthly payment off my bank account bill pay in the amount of {$1200.00} XXXX monthly same as my mortgage loan the bank will receive the regular monthly payment plus an extra principal to be deducted off the mail loan, unfortunately BMW Bank of North America has their own way to hold all extra principal kept it under their control never deducted of the main loan balance. like I have no control of my loan payment to keep themselves earned interest on me for the extra principal money that I paid. I contacted them and they said my money is deducted of your principal. That has never happened please see attached statement for XX/XX/XXXX it will show negative balance as no adjustment done to my loan balance. I believe it is consumer fraud, since that bank kept my money never credit it or refunded. I need your help to straight up that bank to be the way it should be as any car loan dealer. I do have other car loan with XXXX XXXX bank and any extra principal adjusted within a day toward the loan balance. 
BMW financial services has their own way to fraud consumer by hold my money and kept charge me high interest rates.