davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America advertised a {$100.00} promotional bonus for opening a checking account with direct deposits within 90 days which I applied for and approved for after a few hurdles. However, the {$100.00} bonus has not been credited to my account.
Consumer complaint received 2020-06-21
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$30000.00}, {$560.00}, {$7100.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$30000.00} -This is not my account. 

3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$560.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7100.00} -This is not my account. 


-- PERSONAL ACCOUNT 5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-05-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unifin Inc. (TX)

On XX/XX/XXXX, I got a letter in the mail from Unifin Inc . It stated that I had atotal amount due of {$4900.00} and that I must pay it or this would be reported against me. The letter lists three different debt companies : XXXX XXXXXXXX XXXX XXXX. None of which that I have any accounts with. I had an account prior with XXXX that is past the statue of limitations to begin with. The issue at hand is the fact that I am a 100 % completely XXXX Veteran and became XXXX while serving my country. This company is contacting me about some debt they can't validate because I was overseas and had protection from the military lending act as well as the service members civil relief act ( scra ) from XXXX XXXX when I became XXXX. All accounts were notified when I XXXX and when I became XXXX. This company is harassing me for debts not owed.
Consumer complaint received 2020-05-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SAMC Honebee TRS, LLC (GA)

XXXX XX/XX/2020 I made an additional principal payment. The mortgage company does not apply it to principal even though I requested an additional principal payment. This is the second time this has happened. 
My bimonthly payments dont not get applied as they are paid and the company refuses to remove PMI even though 80 % of my principal is paid off and the agreement with the original mortgager ( before it was sold to these scammers ) was that it would be removed.
Consumer complaint received 2020-05-23
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. (MD)

I mailed several letters and made multiply attempts to contact the bureaus by phone to get the bureaus to investigate and respond using the guidelines prescribed by FCRA.
Consumer complaint received 2020-05-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

This bank is very unreliable and has poor customer service and awful unprofessional staff I guess they was never trained not to argue with the customers since the customers always right customer service 101, unfortunately for this bank this customer is highly connected in the legal field and won't tolerate it. 

On XX/XX/XXXX i was charged once again by the merchant XXXX for {$20.00} after I told Santander to do a stop pay and I told the merchant the same thing both parties agreed because I don't use this account until time to pay bills because I cant take a direct deposit off of it, I noticed there was not one but 2 over draft fees for {$35.00} which I refuse to pay now messing my daughters money up. This isn't the first time approaching the bank about this charge when I called XX/XX/2020 the rep was very inappropriate and tried to tell me that I never called about the matter which frustrated me and now I am reporting the company to CFPB
Consumer complaint received 2018-10-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

THIS IS NOT A DUPLICATE TRANSUNION IS NOT LOOKING AT THE INFORMATION PROVIDED THEY MARKED IT AS DUPLICATE THIS IS WRONG. XXXX is past the statue of limitations and for whatever reason they keep reporting the account and wrong information. I have attached proof from XXXX showing the last payment date was back in 2011 and it should not be on my credit file
Consumer complaint received 2020-05-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (LA)

Hello, I see that you have reported inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. Right now Im demanding validation of this account : Enhanced Recovery Services Account # : XXXX Amount : {$2400.00} Please provide me with the following : ( 1 ). Full accounting for this account : ( 2 ). Copy of the assignment of purchase from the creditor ( 3 ). Every charge and what was purchased, fee, payment, credit, interest ( 4 ). How you calculated what you claim I owe ( 5 ). ( Fields v. Wilber Law Firm Coppola v Arrow Financial Services ) ( 6 ). Full chain of assignments from charge off to present ( 7 ). Proof that you own the debt with full clear title ( 8 ). Proof that you were on the original contract ( 73 Am Jr sect. 93 ) & ( Gearing v Check Brokerage Corporation ) If you cant provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation. My attorney who specializes in suing debt collectors will be on standby waiting for my instructions.
Consumer complaint received 2020-05-22
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BMW Financial Services NA, LLC (FL)

Hello My name is XXXX XXXX and I am writing for assistance against a company 's that I have been disputing with for over 5 months and which have not been forthcoming with information requested. While they report data onto my consumer credit files in an inaccurate manner they do nothing to answer my concerns or comply with what I am asking them for. I have turned to the CFPB as my last resort to help mediate this problem and also to oversee that they actually meet compliance to the FCRA and specifically the FDCPA and not just have them stamp their disputes that way without doing anything. 

The company is XXXX XXXX XXXX, who i have disputed and requested documents under the provisions of the Fair Debt Collection Practices Act. I simply do not have enough information about this account and need their assistance so that I can review all information and then dispute accuracy if need be from the information they hold. I need this and it is not being provided. i ask that if this company does not have such information that the removal of the illegal reported collection be stricken from my files. They have done enough damage and have done nothing to meet actual FCRA requirements. Please help me.
Consumer complaint received 2024-10-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (CA)

From XXXX XXXX XX/XX/XXXX, Chase bank charged me 11 overdraft fees, although I requested multiple times for the feature to be turned off at least four times. During this period two deposits were made prior to the fee incurring in which XXXX stated I had time to settle balance before a fee was incurred according to emails. {$370.00} in fees is predatory especially considering the charges were not paid, so no funds were lost for the bank, I requested to opt out of this feature, at least {$540.00} was deposited within the dates listed above and quite a few transactions did not total over {$50.00} but still incurred an overdraft fee.
Consumer complaint received 2020-05-22
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

My Name is XXXX XXXX XXXX Date is XXXX XXXX My Equifax Confirmation Number IS XXXX OR XXXX And My FTC Report Number Is XXXX I'm Writing This Complaint Because My personal Information Was Exposed In A Data Breach I Checked Online & Found Out About The Data Breach I Looked Up My Credit Report I Found Inaccurate, False And Fraudulent Information That Don't Belong To Me I Contacted My Local Police Made A Report They Also Told Me To Make A Report With FTC Because Of Jurisdictions Ive Listed As Many Fraudulent Accounts As I Could .Also Recently I Called Equifax Filed A Dispute Myself And Also I Went Online Submited A Dispute And That Wasn't Helpful At All!! These Fraudulent Debt Is Hindering My Ability To Apply For My New Home Loan I Don't Know Where To Start Or The Next Step To Take To Remedy This Situation Which Has Caused Financial And Emotional Stress Worst Part I Was Denied A Job Based On Negative Information On My Report, Due to Covd19 I Was Recently Laid Off My Last Employer Now Every Employment Job Opportunity Is Online Based With Background & Credit Check Which Ive Been Denied Due To False Information Reporting With Equifax..I Have Been Subjected To Adverse Action Pertaining To The CRA 's Reporting Inaccurate Information As A Result Of Fraud Am A Victim Of Identify Theft And I Already Placed A FRAUD ALERT On My Credit Reports Here 's The List Of The Fraudulent Accounts : XXXX XXXX XXXX  XXXX XXXX {$36000.00} XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$590.00} Collection opened XX/XX/XXXX XXXX XXXX XXXX ( ( XXXX XXXX XXXX XXXX  XXXX XXXX ) ) XXXX XXXX XX/XX/XXXX I Even Called Equifax Today Waited 3 Hours Before Someone Answered The Phone Just To Hang Up In My Face I'm Very Disapointed With The Way Equifax Has Been Handling My Report 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, FTC Report Number :XXXX 605 ( b ) Block. Item must be blocked in no less than ( 4 ) days
Consumer complaint received 2018-10-14
Product: Vehicle loan or lease — Loan
Issue: Problem with fraud alerts or security freezes — 
Company: JPMORGAN CHASE & CO. (NJ)

I disputed this account with JP Morgan Chase Bank several times and each time I was asked to provide additional documents to support my fraud claim. The last dispute I submitted was refused because I had someone as my power of attorney and JP Morgan Chase Bank wanted me to provide them with the power of attorney document which I did. It's been over 60 days since I submitted my power of attorney document it's been over 120 days since I filed my initial dispute and JP Morgan Chase Bank is still reporting erroneous negative Information about me to all three credit bureaus. It's bad enough I was a victim of fraud and I'm being dragged through the mud trying to clear my name. I feel like I'm getting the run around and that JP Morgan Chase Bank does not want to remove this negative incorrect Information from my credit report, they also have not responded to me in regards to my power of attorney documents I sent to them by certified mail. I do know that the statute of limitations have expired for JP Morgan Chase Bank as far as how much time they have to respond to a dispute. At this point they are disregarding all types of local and federal laws by disregarding all of my civil liberties. JP Morgan Chase Bank allowed someone to open an auto loan using my identity at a used car dealership that the owner of that dealership was convicted in Federal Court on Fraud charges stemming from his dealership. My next attempt will be a legal one, I'm tired of getting the run around by JP Morgan Chase Bank.
Consumer complaint received 2020-05-21
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: SYNCHRONY FINANCIAL (FL)

I have an account showing on my credit report as a charge off for Synchrony Bank/ Mattress Firm and have asked for validation of the debt with nothing provided. This is affecting my credit and I would like it removed.
Consumer complaint received 2020-05-21
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. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX XXXX {$3100.00} XXXX XXXX {$810.00} XXXX XXXX XXXX {$1300.00}
Consumer complaint received 2020-05-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc. (GA)

Yes. My complaint is with Santander Consumer usa. Its an auto loan account that originated at {$18000.00}. The term of the loan was 72 months @ $ XXXX@ 23.16 %. The loan begin in XX/XX/XXXX. We are in now in XXXX. i have been paying on this loan for over 75 months and i still owe over {$8000.00}. I wanted to talk with someone in a higher department but i cant reach them. The staff seems like they dont care about their customers. Its seems to me all they care is about there money. I have notice this company have been sued numerous amount of times in different states ( XXXX XXXX   Santander vs Massachusetts ) including a major recent suite for over {>= $1,000,000}. Now i'm writing this because the issues that i here in these cases are the same issues i'm facing with them too. Example are You still owe them outstanding balances after you paid off the term of the loan, There's no one that can honestly give you correct information, Its seem to me you cant reach no one higher in rank to discuss you situation because of corruptness of the company. They seem to put there workers on the frontline to do their dirty work. The way things are going i will be paying right at {$50000.00} dollars for a {$18000.00} loan. This company is greedy, not caring and dishonest to their customers.
Consumer complaint received 2020-05-16
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-05-16
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. (MO)

My identity and credit file has been modified and completely compromised without my knowledge nor consent. I'm in direct belief that my identity may have either came vulnerable via the dark web and/ or within the data breach. I'm demanding that the following unauthorized accounts be removed and blocked from my credit file after it's determined that these accounts are not mines. 

1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX 3.  XXXX XXXX/ XXXX XXXX 4. XXXX 5. XXXX 6. XXXX XXXX XXXX XXXX. XXXX XXXX {$610.00} 8.  XXXX XXXX XXXX {$590.00} 9. XXXX XXXX {$70.00} 10 ) XXXX XXXX XXXX 11 ) XXXX XXXX XXXX {$790.00} 11 ) XXXX XXXX XXXX {$160.00} 12 ) XXXX XXXX XXXXXXXXt {$31000.00}
Consumer complaint received 2020-05-16
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: Synovus Bank (TX)

I am a victim of identity theft. The information listed below, which appears on my credit report, is the result of identity theft. 
FIRST PROGRESS XXXX {$160.00} XX/XX/XXXX XXXX  XXXX XXXX   XXXX {$550.00} XX/XX/XXXX XXXX XXXX XXXX {$790.00} XX/XX/XXXX
Consumer complaint received 2018-10-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (AZ)

I have a loan with Specialized Loan Servicing ( part of the XXXX XXXX ) I've sent in a written request to remove PMI a month ago and had no correspondence with them since. I am at 74 % and in reading the rules it seems like at 78 % it should automatically drop off. 

Seems like this is all rigged for the loan companies to continue to collect this PMI fee and frustrated at the lack of communication.
Consumer complaint received 2018-10-13
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: EQUIFAX, INC. (GA)

On XX/XX/2017 I contacted the credit reporting companies disputing multiple inquiries that unauthorized on my credit report. XXXX  failed to properly investigate into the situation for me.i disputed the below inquiries : -XXXX XXXX placed on XX/XX/XXXX -XXXX XXXX   places on XX/XX/XXXX -XXXX/XXXX XXXX XXXX placed on XX/XX/XXXX -XXXX XXXX placed on XX/XX/XXXX -XXXX XXXX placed on XX/XX/XXXX and XX/XX/XXXX -XXXX XXXX placed on XX/XX/XXXX -XXXX XXXX placed on XX/XX/XXXX -XXXX XXXX placed on XX/XX/XXXX These inquiries were not and have not been authorized my myself at anytime in the past or new future.
Consumer complaint received 2018-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Accurate Background (CA)

Two felony records were found under my name claiming grand Theft Auto and burglary. Which is unacceptable. I only went through this for a job, that I probably lost do to this ignorant mishap. Never did I commit any such crimes. The court houses could tell you themselves, I have traffic tickets like most but I've never have been nor will I be a criminal. This is my life and I suggest you all get it right.
Consumer complaint received 2018-10-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I have had a simple savings account with Capital one bank for 2 years. I have had {$170.00} deposited in the account. I get the account summary every quarter from the back. I got a letter 2nd Week of XXXX  ' 18 that my account was closed. I was surprised to know that, and I called the bank 's customer service. Customer Service representative said that my account in " abandoned '' and the money was sent to unclaimed funds to the state. XXXX XXXX  did not try to contact me via phone, email or letter about the activity in my account. All I received was one letter saying that my account was closed and funds were submitted to a " State ''. The Customer Service was not able to provide anymore information on how would I go about retrieving my funds back from a " State ''. There was no letter explaining what would be my next steps or what would be the burden of proof to retrieve funds, and how long would it take. This is NOT how a bank is supposed to function. Are our regulations as such that a citizen can not keep funds in a bank for extended period of time without any activity? And isn't the Bank supposed to contact the customer before taking any actions on their accounts?