davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-07
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

on XXXX XXXX 2015 at XXXX I walked in to Bank of America in XXXX XXXX XXXX, XXXX, TN XXXX to deposit cash more than {$10.00} that in business require to fill up CTR Form that I have already did since I 've been customer for many years. Everything went well until up to that form pop out on the cashiers screen, it took her 10 minutes trying to figure out the way out then finally called manager that does n't know how to do that either, then called another senior cashier/ cashiers manager to help out, they chat for a while then she left, but this cashier still seems did n't know and still try and try, 20 minutes has passed.I told her if I can get my DL back, she can make a copy of it if she needs to but do n't hold me there for her to train. because I know they do n't need me there at all, but she refused to give my DL back or make any note, just keep trying.. few more minutes passed I asked one more time and she refused, then I tried to grab my DL but she took it faster and step back, I was Furious! Then I grab her hand try to pull her so I can get my DL but she still refuse to give it to me, That other women : XXXX XXXX, told me to leave the bank and never come back. I told her it was fine as long as I get my cash money back, she said noo.. (??? XXXX?? I almost call police fot that ) finally they return the money, but not before the cashier return only XXXX instead of XXXX my original deposit. And it took her another 10 minutes just to count it back,
Consumer complaint received 2015-06-23
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

XXXX XXXX XXXX XXXX NY XXXXXXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2015Bank of AmericaXXXX XXXX XXXX XXXX TX XXXX XXXXThis is a disputeGentlemen : I wrote the attached letter XXXX XXXX, 2015 and XXXX XXXX, 2015 and this letter XXXX XXXX, 2015, XXXX XXXX, 2015 and XXXX XXXX, 2015 and I have been contacted by the dispute collection dept. 

Clearly Bank of America MISTAKENLY XXXX and admitted same ) sent me {$3000.00}. 

When I received the check there was no explanation and no account number. I cashed the check and spent the money. Even though this was Bank of America 's mistake I am prepared to pay back the {$3000.00}. I told this to the dispute/collection dept. but they insisted that because I had use of the money I would have to pay interest. 

My credit balance, which initiated this whole issue, did not earn interest even though Bank of America had use of the money. They were quite insistent and I therefore hung up on them. 

Like I stated above I am prepared to pay back the money but on my own terms and conditions NOT Bank of America 's. 

I will pay back at the rate of XXXX monthly payments in the amount of {$300.00} each. If this is satisfactory to Bank of America please email or mail a clear unequivocal confirmation with no conditions. Upon receipt of your correspondence I will commence the repayment. Furthermore none of this is to be recorded by ANY of the credit agencies. 

However if you initiate a suit I am prepared to meet you in small claims court. 

Also please do not call me for collections. You owe me my credit balance. 

Sincerely,
Consumer complaint received 2016-03-17
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (UT)

I am a victim of identity theft. We have been in the process of building a home for 6 months. Our credit was great and then in XXXX we had learned that my scores dropped significantly. I found that someone had opened up XXXX credit cards in my name & maxed them out immediately and now they are very past due.The accounts were all open in XXXX and XXXX and maxed immediately. The debts these thieves have incurred under my name is upwards of {$60000.00}. This is affecting us being able to close on our home and losing {$40000.00} we put down as a deposit. We are older and have no need for these accounts nor did we apply or open any accounts! 
We have a police report and have talked to the fraud dept with all the companies. XXXX of the companies have investigated and determined the accounts were, in fact, opened up by someone OTHER that me and they have removed it from credit and are continuing the investigation. The other companies have not and they are reporting inaccurate and fraudulent information on my credit file. I need this resolved asap please.
Consumer complaint received 2015-06-01
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

We had a Bank of America home equity loan protection plan, that they cancelled without offering anything to fall back on. How can the bank we have our mortgage and home equity loan through, just cancel it without helping the customer 's find another protection plan, or other alternative. Thank you.
Consumer complaint received 2016-04-19
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TENET HEALTHCARE CORPORATION (FL)

SYNDICATED OFFICE SYSTEMS IS REPORTING XXXX COLLECTION ACCOUNTS. CENTRAL FINANCIAL CONTROL IS REPORTING THE SAME XXXX COLLECTION ACCOUNTS. THIS DOUBLE ATTEMPT TO COLLECT ON XXXX ACCOUNTS LOOKS LIKE THERE ARE XXXX OPEN ACCOUNTS. THEY NEED TO DELETE XXXX OF THE SET OF XXXX. EITHER SYNDICATED OR XXXX NEEDS TO REMOVE THEIR ENTRIES.
Consumer complaint received 2015-07-23
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I received and deposited an out of state check in the amount of {$1700.00}. This check was deposited on Wednesday and when i checked my account on line Thursday the account showed {$2000.00} funds available. It did not say {$2100.00} deposited and {$360.00} available. This was a fraudulent check that I had received unknowingly, the scam artist then requested the funds be returned through XXXX XXXX, Which I did. Then 2 days later the Bank notified me that I was over drawn by {$1400.00}. My complaint is that the bank would not let me withdraw cash from the teller, atm or use my card in excess of the {$300.00} but they allowed a wire transfer for {$1700.00}. I have tried everything to work out a solution with the bank but every dept says the bank will help and then refer me to the fraud dept. The fraud dept continues to hang up and offer no help. They even hung up the phone on me while i was on speaker phone at the local branch.
Consumer complaint received 2023-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

On XX/XX/2023, I logged into my Capital One Mobile App to make my monthly payment, to notice there was a restriction placed on my account. It took me by surprise to see a restriction was placed on my account ; since the account has available credit and is currently up to date. On XX/XX/2023, I called the customer service line to inquire about this matter. The first represented I was connected to, quickly dismissed my inquire and said my account was permanently suspended and payments are still require on their due dates. Since I was dismissed prior to an explanation, I requested a supervisor to explain what was going on. When the supervisor answered, she immediately transferred me to the FRAUD DEPARTMENT MANAGER. The fraud department manager XXXX ( XXXX ) advised me that due to activity on my Capital One Credit Card or another financial institution, our account was permanently suspended and that was it. when I asked for clarification, XXXX told me that was the only information he can provide until we receive a letter that will be sent out. I then asked to speak to the escalation team, to which he told me he was the highest representative or manager above him. We were left with many question and no answers. Please be advised coincidently that we recently sent a letter explaining how our consumer rights were violated. Capital one response to that letter, was requesting more information. The follow up letter was sent with the required requested information, and now this happened in what seems like retaliation. Keep in mind we are long term customer whom never been late or had any defaulted payments.
Consumer complaint received 2016-09-16
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

I have a credit card with Bank of America and due to charges I thought were fraudulent requested they change my credit card number which they did. At a point after that, I had called the company onstar and requested they cancel my account which they did not do and charged my account several more times. I found it odd that they were able too get those charges through since the card number they had was the old XXXX and called Bank of America and asked them to cancel my credit card which they said they did. I have had several more charges go through from other companies even after cancelling my card because Bank of America says they saw them as revolving charges and they always let them go through and that I have to contact all the companies and cancel those myself. I told them that I always refuse revolving accounts and no company has my approval and that I want no more charges from any company to go through and they said they can not do that. They told me if any charges from any company I have done business with in the past comes in they will pay it and I will have to contact all the companies to cancel. I told them I do not know what companies to contact because I have not given anyone permission to do a revolving account and want the bank to stop paying them but they have refused to completely close my account and stop letting such charges come through. Bank of America says I will just have to keep getting and checking statements and deal with each company as they come through because they do not stop taking those type charges until a certain period of time of inactivity has occurred. When I asked what is the length of time, they said it is not a specific amount of time. I closed the account 8 months ago and they still let XXXX recent charges go through 8 months later. I want the account closed completely with any and all charges blocked. It should not be legal that I can not completely cancel a credit card, and that I have to worry about still checking statements for some unspecified period of time before the bank finally stops letting charges go through on a closed account. Consumers can not know what companies will be charging the account in order to call them prior to them charging the account if the companies are doing so without approval, so canceling the card should stop that, but not with Bank of America. Also, it should not be legal that charges can go through when a company submits a charge on an old card number and they do not have the new card number, but not at Bank of America.
Consumer complaint received 2015-07-21
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I had a XXXX XXXX XXXX XXXX. I Leased it at the end of XXXX though Bank of America. I paid the lease though maturity, then Bought the vehicle through the same bank XXXX. I paid on this loan through XXXX. Even though I was forced to claim a Chapter XXXX bankrupcy, I did not include the vehicle and paid it off. One month ago I turned the vehicle in to a dealership who could only give me {$250.00} for a 16 year old vehicle with over XXXX miles on it. I purchased a used vehicle, but did not have the title to my old SUV after so many years. Days later the dealership informed me that theycould not obtain a new title for the car because there was a lien on it. I called Bank of America right away. After waiting for weeks for them to " review '' the situation, they told me I owed them {$2100.00}. I have asked different people many times to explain how this could be, and they just tell me I owe it and that is it. I asked them why this is the first time I am hearing about this, and I can not get a intelligent answer. How was I able to renew my plates evey year. Why did I not recieve any notice. I aasked if they could work with me and negotiate the amount of this debt, and they said not at this time. The person on the phone explained that certain times throughout the year they do negotiate, but this was not XXXX of those times. I am recieving a huge amount of pressure from the dealership, and I can not afford this huge debt. I do not have time to wait for a period to negotiate because I already turned the car in. Had I known about this debt I would have made payments to take care of it, then turned the car in or sold it myself to offset the cost. If I owe something, I am willing to pay it off. But I am sure that Bank of America has already written off this debt and recieved the tax bennefits of doing so. I am also sure that it is not fair for them to tell me I have to wait until a certain time of year to negotiate with them. All i ask is that " If I do owe anything '' and they EVER do negotiate with people, please offer me the same consideration. I am going to have to try and borrow the money to pay this debt so I can get the dealership off my back. I do not think I owe this, and at least should be able to pay less than they are saying. Why didnt they come and reposess the car years ago, or send some sort of notice. This is not fair.
Consumer complaint received 2016-09-07
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (TN)

I have tried unsuccessfully to get Navient to lower my payments without any success.My payments are {$700.00} a month. I {$2000.00} before taxes. I have cosigners and they have been after them to make the payments. I am able and willing to make payments but not {$700.00}! My mom has been helping me out for the past few months. Her house burned last year and with the insurance money that she was to used to replace items in her home, she gave to me. I have called Navient numerous times asking for a reduction in payments and their only answer is my cosigners. Neither of my cosigners are financial able to help and both are retired.
Consumer complaint received 2016-03-01
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (MI)

My Tuition Answer Loans with Navient is behind and they keep calling me and saying that I am in default, they tell me to contact XXXX to resolve this, however they do n't have any idea of why I am calling them at all. Navient is not willing to do anything for me what so ever outside of harassing me to no end. I have requested a income repayment plan they denied it on the bases that I am behind. I have made it very clear to them that due to this I will make payment how I can, they are not happy with this. 

This makes no sense what so ever, and is not the kind of dealings that should happen what so ever. I simply want ALL my loans in XXXX simple income related payment.. what is so XXXX hard about this.
Consumer complaint received 2021-08-30
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. (WA)

I have disputed and contacted this company numerous times and they continue to duplicate report which is a violation of the Fair Debt Collection Practices Act or the Fair Credit Reporting Act. 


Account # XXXX Account # XXXX I have requested numerous times for them to remove the duplicate and update with accurate information. They are very unprofessional and rude every time I call. They are abusing subprime consumers.

One of their representatives advised me to go back to XXXX. Seriously? 

I am fed up with XXXX XXXX and them trying to continue to overcharge me. 


Please review my account I have two XXXX XXXX reported on all of my credit reports but only ever had 1 single account with them. The numbers and amount both dont match. They are ruining my credit by violating the CRA as a form of retaliation!
Consumer complaint received 2016-06-14
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (OR)

Have a first and second loan with HSBC. 
( Beneficial Finance ) After we requested payoff amounts on loans. HSBC realized the second had come to term a year ago. Then sent us paperwork to resign the loan at 14 %. 
But on our statements it shows 8 % and has been at 8 % for 13 year. HSBC said " On there computer we are being charged 19.90 % ''. Have been sending payments in. And they send them back. We have sent faxes and called for 10 weeks or more trying to get information on what we really owed. Loan started at {$17000.00}. After paying {$220.00} a month on it for 16 years. HSBC claims there is a balance of {$14000.00}. On the XXXX of this month. It will be 4 months that HSBC has been refusing payments from us. We assume they are stalling at sending us the full payment history for life of loan. 
Also have problem with first loan. 
Loan started at XXXX after paying on loan for 16 years. HSBC gave us a payoff amount of XXXX. Payment breakdown on statement always has money missing, or says it unappliedunapplied. Please help us.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (MI)

Relevant Tax Law Codes : 15 U.S.C 1692 ( c ) : States Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ~I gave no consent for a debt collector to contact me. 

15 U.S.C 1681 ( a ) States : 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. 

~ Meaning XXXX Violated U.S.C 15 1681 ( a ) 4, Which states : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15 U.S.C 1681 ( e ) States : A person may not procure a consumer report for purposes of reselling the report ( or any information in the report ) unless the person discloses to the consumer reporting agency that originally furnishes the report ~ This was violated. 


15 U.S.C 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. 

~Which means XXXX violated tax law codes 15 U.S.C 1681s-2 ( b ), Which states : A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

~Information was sold before I had any knowledge.
Consumer complaint received 2021-01-14
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. (CA)

I recently disputed a discrepancy on my Experian credit report on XX/XX/2020. I received a response back from Experian indicating the following : The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
There was no proof from the credit reporting agency that anything was verified or how it was verified, however the documentation I have shows that in fact, the collection account is inaccurate and incomplete, which are grounds to have the account removed.
Consumer complaint received 2015-06-22
Product: Credit card — 
Issue: Transaction issue — 
Company: AMERICAN EXPRESS COMPANY (NY)

Fraudulent charges appeared on the account of the authorized user, American Express closed that account ending in XXXX and opened a new account ending XXXX. 
However previous merchants who still had the old account number continue to post charges. 
Last year XXXX posted an unauthorized charge, which was disputed and reversed on the old account. 

The same another company. 

The account was issued in XXXX 2015. 

On XXXX XXXX 2015 both companies posted fraudulent charges using the old account which American Express supposedly close, and posted to the new account number. 

The new account number was not provided to them by me. 
On XX/XX/XXXX I called Amex spoke to XXXX is Utah, he assured it will not post. 
On XX/XX/XXXX the charges are posted, I spoke with XXXX in XXXX XXXX and he gave the run around, finally he transferred the call to his supervisor XXXX, who disconnected the calls. 

Once the old account is closed no one should get an authorization or post charges. Should be either is open or close, these charges were not authorized or consented by, American Express apparently allows fraud. 

This sort of activities must cease once the account number is closed nothing else takes place.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.