davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

Once again, the CFPB do not allow us to update the complaints that we file, so here adds another one for Bank of America.

Again, I've had 4 calls with different BOA reps since I filed the last complaint.

They are telling me that our claims of XX/XX/XXXX and XX/XX/XXXX are too old. I've attached a copy of a XXXX document that shows we started this nightmare in the month of XX/XX/XXXX. We demand every since XXXX  due to the fact that XXXX has completely blocked us for accessing material. 

I've also attached a document from XXXX XXXX XXXX. I've circled her most important statement. She said, " I can see that multiple charge-backs were initiated for several orders, each involving different sellers. Have in mond that as a result those funds are no longer with XXXX and are now managed by your payment provider. 

Now our payment provider is Bank of America. XXXX clearly stated, once we filed the complaint the funds are no longer with them but with BOA.

Now we have been at this issue since the beginning of the year and it has been going on for far too long. As I told a BOA rep, if XXXX was a XXXX, we would instruct our attorney to sue this company. They are not, thus we have to come back to our banking partner. The same partner that has a message into the the bank that they stand by their customers. 

In closing, again this started in XX/XX/XXXX and we are about to go into XXXX. That is SIX MONTHS! How much time do BOA need to investigate this issue?

And we demand all funds from XX/XX/XXXX to XX/XX/XXXX. 

And I was also told by a rep yesterday that BOA has collected around {$1100.00}. We want to know why are they holding it and not depositing it back into our account.
Consumer complaint received 2024-07-31
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (FL)

XX/XX/year>, at or around XXXX, I attempted to conduct some business in regards to the death of my father. The encounter and lack of compassion received from the manager and XXXX XXXX was upsetting and discriminatory at TD Bank, XXXX XXXX, Florida. XXXX was presented with an official death certificate that presented the necessary information to move the process forward. She refused to accept the funeral homes explanation for the handwritten information that the State of Florida is now using because of their system being hacked. The funeral home employee/office manager had to come to the bank to further address the matter. Prior to his arrival, and him speaking to XXXX XXXX making her aware that he would be in contact her and coming to the bank, the bank manager and XXXX XXXX then leaves making themselves unavailable. Both of them knew that XXXX XXXX was en route. XXXX XXXX and I ended up speaking to the assistant store manager, XXXX XXXX XXXX, who then accepted the death certificate and told us it would be sent up to underwriting for processing and should take 24 hours to complete. At no time was an apology expressed by the bank manager or XXXX XXXX. The overall behavior of the store manager and XXXX XXXX was insulting, disrespectful and racially offensive.
Consumer complaint received 2024-07-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (FL)

I have 2 loans in the save plan wth aidvantage. Both of these loans were for the art institute which was a school in violation and the loans were to be forgiven. I noted in my complaint to the borrow defense plan that this school coerced me into a consolidation when I was struggling financially. They also made many false promises and then transferred my loans over to the westood college, which I never apporved of. 
According to XXXX they are processing the discharge as of XX/XX/XXXX. I have not seen any activity on this issue and I need help that the service provider aidvantage fully understands this scope and they are just a servicing contractor. This may weigh soley on FSA. I just need help understanding CORRECTLY! 

Aidvantage responds but never really invesigates this issue thoroughly. I know the loans are listed as consolidated. I am not a fool. I have issued several complaintrs on this issue and noonew investigates properly see Federal Student Aid an Office of the Borrower Defense Case XXXX XXXXXXXX Processing Discharge Case Information Date Submitted XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( The ) Enrollment Period XX/XX/XXXX - XX/XX/XXXX Webform Submission - Case Number : XXXX
Consumer complaint received 2024-08-30
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I followed the bank 's instructions and updated my profile on XX/XX/XXXX ( please see the attachment ). I made the money transfer after updating my profile, as the system wouldn't allow the transfer without completing the profile update. The success of the transfer serves as proof that the profile update was completed. 

All their communication emails went to my spam folder, and they never sent any physical letters.
Consumer complaint received 2024-08-30
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: ALLY FINANCIAL INC. (TX)

i bought a truck at a dealership and ally financial financed the truck and i have made every payment on time. but in may i made a payment like i haven since XXXX of XXXX  money was taken out of my bank and didn't think anything of it.well fast forward to end of may i get a automated text saying im 20 days late. so im confused because it says the money was taken out and sent to XXXX  which is a 3rd party used by ally. well they tell me that on thier said they never got a payment in which i told them im looking at my bank account and it says it was sent. so fast forward 3 more weeks and hundreds of calls to the bank, ally, and XXXX  they tell me to fax them a copy of my bank statement showing that the payment was sent though in may. so i did just that and waited 2 days to hear something. no one called so i called them and after sending them proof that i send the payment and the payment was processed to XXXX  they said there was nothing they could do and i still owe money. i like paycheck to paycheck and i told them there was no way i could make an extra payment and even if i had the extra money to do so they have my money somewhere in their system and they needed to find it and they said they would look into it so i waited 3 more days and never heard anything so i called them again and after 6 weeks and maybe 500 calls later they tell me again there's nothing they could do. so after providing them with every document they have asked for from bank statements of that day showing the payment going out of my bank going to XXXXally and the payment being processed they couldn't and wouldn't do anything about it so now to today our credit has dropped XXXX points and the payment i have made since then just go to the last payment and they cycle start all over and they stand on there's nothing they can do nor will do anything about the missing payment the is hurting my credit/ mental state and they i just have to find a way to give them more money even tho they have the money.
Consumer complaint received 2024-08-30
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: EQUIFAX, INC. (VA)

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 seven 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 2024-08-30
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: BMW Financial Services NA, LLC (CA)

By Law, they need to provide proof that they either sent me an email or mailed out a letter 21 days prior to said due dates of missed payment. They also need to provide me the proof that they either sent or emailed me the option to opt out before they released this on my consumer report. The only thing they sent proof of were said dates of payments that were late.

Due to Laws, 15 U.S. Code 1666B, without that proof they are violating that law to put this on my consumer report.

with - 15 U.S. Code 1681a ( 2 ) ( I ) they may not report transactions or experiences between consumer and person making the report. - 15 U.S. Code 6802 - Obligations with respects to disclosures of personal information.

18 USC 1028A aggregated identity theft.

This company is breaking multiple consumer laws and if this is not reported and fixed on my consumer report I am asking they delete all the above late payments from my consumer report, and change them from late to PAANL ( Paid As Agreed, Never Late ). Failure to respond with correction of the account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for each law stated above.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-08-30
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (LA)

I have repeatedly asked for these two accounts to be removed from my credit report. I have asked through the credit bureaus and I have sent validation of debt letters by certified mail. The credit bureaus say they verified but wont tell me how they verified and NCA will not answer the validation of debt letters
Consumer complaint received 2024-08-30
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (NY)

Opened a credit card, immediately spent approximately {$10000.00} on the card. Attempted to log in to pay the card off, and found that the account was locked for suspected fraud, and couldn't create a login. Called the company to attempt to verify identity and get the lock removed, as well as pay the card. Company instructed us that only going to the physical branch would be accepted to remove fraud lock. Would not give me the outstanding balance to pay. 

Despite moving and giving birth during this time, managed to get to a branch, only to be told that even though they can verify me locally, they can't do anything for me for a credit card, because that has to be done on the phone with the credit card department. After a few days, the fraud lock was lifted and I called the company to pay.

In calling the company to pay, I specifically and explicitly asked if late fees and interest would be waived due to the fact that they were the ones that wouldn't accept my payment, despite several attempts at payment. I was told that it would be waived and that the payment would bring the account to fully-paid.

Several months have passed, and I'm getting billed interest, which is now accruing and they're threatening a report to my credit ( which is presently a near-perfect XXXX ).
Consumer complaint received 2024-08-30
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: EQUIFAX, INC. (MS)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original XXXX Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NV)

I am a victim of XXXX XXXX of Debt XXXX  and would like for all listed accounts to be BLOCK AND DELETED ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

since XXXX i have been trying to get the bureaus to remove these fraud accounts. Please.I explained that my ex husband used my name to open up accounts under my name without my knowledege, but they refuse to remove the fraud accounts I need help
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am writing to express my profound disappointment, anger, and disbelief regarding your handling of the fraudulent account that has appeared on my credit report. Despite my numerous attempts to resolve this issue and my diligent submission of all required documentation, including the FTC Identity Theft Report, this fraudulent account remains unresolved, and my credit report continues to reflect inaccuracies that are severely impacting my financial standing and peace of mind. 
I brought this fraudulent account to your attention because I was assured that an investigation would be conducted, and the account would be removed if found to be fraudulent. Since then, I have written multiple letters and provided all necessary documents, including : A detailed explanation of the fraudulent accounts. 
The completed FTC Identity Theft Report. 
Copies of my identification documents. 
Any additional information requested by your office. 

Despite my compliance and the clear evidence presented, I am deeply frustrated to find that my efforts have been in vain. The account in question remain on my credit report, and I have not received any satisfactory resolution or clear communication regarding the status of your investigation. 

It is disheartening to experience such neglect and lack of responsiveness from an institution that plays a crucial role in safeguarding consumer financial information. The continued presence of this fraudulent account is not only unjust but also a severe breach of my rights as a consumer. I expect prompt and decisive action to rectify this situation. 


XXXX XXXXXXXX XXXX XXXX XXXXXXXX.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I was wondering why my credit applications are getting denied, to my surprise my credit report has a lot of errors, false and erroneous information. This has caused unimaginable stress and really took a toll on my mental health due to this inaccurate information on my credit report.
Consumer complaint received 2024-08-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: PulteGroup, Inc. (NC)

Pulte Mortgage XX/XX/year> # 1 My house has NEVER been under CONTRACT, It went on the market on XX/XX/year> and as of today XX/XX/year>, it is still FOR SALE! 
Through XX/XX/year> I was a XXXX XXXX XXXX XXXX XXXX In charge, so I know what a Contract means. And if it was ( BUT NEVER WAS ) why dint you ask me for a copy of the CONTRACT, to see the sale price and closing date???. 
# 2 I found 3A it was filled out by YOU NOT me and on Page 5 where there was a place For a signature it was never filled in. The date on that paperwork is XX/XX/year>. ** # 3 The closing was set for XX/XX/XXXX at XXXXXXXX XXXX. On fri XX/XX/XXXX someone call and asked when our house was closing and I said it is still for sale, they said they would Get right back to me, late Monday the XXXX XXXX they called and said we need a Additional {$44.00} XXXX to close, the after noon XX/XX/XXXX they called and said it was not XXXX But XXXX, our son offered us a gift of XXXX. The morning of the closing you called and said We need another XXXX then 2 hours later you called back and said not XXXXXXXX XXXX but XXXX. Our Son pulled his gift offer and said Dad Something WRONG, Asking for a additional XXXX XXXX 36 Hours before closing.

# 4 Why did my XXXX XXXX person jump through hoops to insure that I could make 3 Years of payments, Ins, Taxes, Hoa and hold all that money in escrow, in My XXXX XXXX We did everything you asked for and at the last moment you ask for a additional XXXX XXXXXXXX, your people Talked about it like it was a {$110.00} dollars. 
Every time i conversation with Pulke I was asked for the last 4 of my social security # before talking to me, When asked for a copy of the recording where I was alleged to say my home was under contact They said they had now way to get the conversation to me????

# 5 Your company is at fault not me so please do the right thing and refund me the XXXX We lost on the deal and our mental condition after losing OUR dream home Thank You, XXXX XXXX XXXX XXXX PS you made a profit of {$26000.00} after we were FORCED to pull out. {$26000.00} - {$18000.00} Your new profit {$8.00}, XXXX after you REFUND us. DO THE RIGHT THING PLEASE
Consumer complaint received 2024-07-30
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: Experian Information Solutions Inc. (CA)

This letter is a request of the steps that your company took when investigating the disputed item. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? 
Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

ACCOUNT : XXXX XXXX XXXX.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (IL)

I am a victim of identity theft that I informed Experian, XXXX and XXXX about years ago that my purse was stolen with my state issued identification, social security cards and debit cards was amongst those things in my purse and since then I have been struggling to build my credit history due to these fraud accounts that they won't allow me to establish my history
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (KS)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. 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 XXXX  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 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

Date : XX/XX/year> The Credit bureaus stated Account Name & Account # was properly investigation but how is that possible if the open date is inaccurate, the date last active, and date last reported is not accurate. This ground for removal. They also violated my right under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.

I haven't given these accounts written permission to furnish these accounts on my credit report as well.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

My credit score is important to me that's why I am regularly checking my credit report, now there's been a recurring issue in it that I have been trying to fix yet I have been consistently ignored, there are erroneous information being reported on my report that is negatively affecting my life and my credit score, so bad that my new credit applications are not getting approved and I need it so much right now.