davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-14
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

REPORTING VIOLATION OF STATE AND FEDERAL LAW BY BANK OF AMERICA. Our Bank of America ( BofA ) Visa experienced some $ XXXX in unauthorized charges. Reported these to BofA on XXXX XXXX, 2016, both with a phone call on that date, and a letter on that date, and they removed the charges, and sent us a letter dated XXXX XXXX, 2016, that " the fraud investigation '' " had been completed and closed, '' but some five months after the original charges the charge reappeared on XXXX XXXX, 2016. This is in violation of state and federal law. We are in California - both CA Civil Code sec. 1747.5 and the federal Fair Credit Billing Act, including 15 USC 1601, et. seq. and 15 USC 1666, provide that after BofA received notice on XXXX XXXX, 2016, of a billing error ( in this case an unauthorized use ) of the credit card, once two billing cycles ( or no later than ninety days ) have run, whichever comes first, the creditor is prohibited from reversing any corrections to the account related to the billing error brought to its attention. Two billing cycles after our reporting the fraud expired on XXXX XXXX, 2016, and even the maximum 90 day period ended XXXX XXXX, 2016. After BofA ruled in our favor on XXXX XXXX, 2016, and removed all charges, they were precluded by law from reinstating the charges on XXXX XXXX, 2016. 

Also, BofA discovered that fraudulent charges led to some address over XXXX miles away from me that is not ours. We FAXed to BofA Fraud Claims " Reconsideration '' department last week a detailed packet outlining how the evidence proves in fact that the charges were unauthorized - for example that XXXX XXXX XXXX has shut down the fraudulent telephone number opened in my name, that the address XXXX miles away from me was a fraud address we have never lived at and has been removed from my credit profiles and a fraud alert placed on them. BofA never verified or confirmed any of these charges with us - the first we heard of them is when they appeared on our statement a month after being made. The law 15 U.S.C. 1643 ( b ) states that the burden of proof is on the card issuer to prove that the charges were authorized - I do not have to prove that the charges were unauthorized. In any case, this is an unfortunate situation and I feel bad for the merchants but someone has opened a fraud telephone account for me at a fraud address we do not live at, and submitted a fraud order to try to use my credit card for shipment of goods to a fraud address. This is more than credit card misuse this is account takeover. BofA must remove all these charges because we will not pay for unauthorized charges, never. BofA has violated state and federal law by reinstating these charges that they already removed, after the two billing cycle / 90 day statutory period.
Consumer complaint received 2016-08-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Amsher Collection Services, Inc. (WA)

I moved to an area that my XXXX phone would not work at my home. Which in XXXX contract is reason to void contract and for me to be able to get service with another provider. After I broight this to their attention they said it was no problem to end my contract. I did and then they sent the remaining balance to a collection office and would not even talk to me about it.
Consumer complaint received 2016-12-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Selene Finance LP (VA)

Hi My name is XXXX. I recently applied for a modification loan with the company that is now servicing my loan. I sent in all the required documents and the company Selene Finance. A representative showed up at the property which I have rented out and gave all the details of my current loan to my tenants. Told them I was behind on my mortgage payments and they could send in the rent payments to the Mortgage company directly instead of me. They gave details about my private information which is a major violation to the privacy act. I was so upset I called them right away to file a formal complaint. They said they cold not do anything and they were sorry this happened. I am writing them a formal letter and also filing a complaint with your agency. I hope this type of behavior is corrected so it does not happen to another consumer. 

Thanks, XXXX
Consumer complaint received 2024-08-30
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. (FL)

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2015-11-25
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Solutions To Portfolios, LLC (TX)

This call was from the same number that I reported on XXXX/XXXX/15, reference # XXXX. They say I have to call them immediately because I am in trouble because a complaint has been filed against me. They will not identify themselves properly & I have received no such notices in the mail according to Fair Debt Collection Practices Act. They are leaving a different number to call this time ( XXXX ) XXXX XXXX XXXX. But, their caller ID is the same as before ( XXXX ) XXXX XXXX & when I called that number it eventually picked up on a voice mail saying it was STP Management Group. Other complaints against them on the internet. This message was a little less nasty than before when they threatened me with going to jail.
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (VA)

Navient is not applying payments that are made to my account. I am regularly incurring late fees and am afraid my credit is being affected as some payments go over XXXX days before reaching a resolution. I have once paid my payment, including large fees, via phone because I received late-payment calls only for my on-time payment to be applied a few days later.
Consumer complaint received 2016-06-03
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I XXXX XXXX have made several attempts to obtain a home loan modification with Bank Of America on subject property XXXX XXXX XXXX, XXXX CA XXXX loan # XXXX, I understand i am eligible for the XXXX program which would help me keep my home at an affordable payment, however the lender has refused to work with us. I have made numerous attempt to work with my lender but they have yet to provide any help. Additionally I am certain they are violating the Home Owners Bill of Rights which prevents them from Dual Tracking.
Consumer complaint received 2015-05-22
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XXXX XXXX 2015 I submitted a {$1200.00} payment to my XXXX XXXX XXXX XXXX credit card, through the online banking service of my Bank of America checking account. 
As of XXXX XXXX, despite XXXX lengthy telephone calls ( starting XXXX XXXX ) to multiple departments at both institutions, the payment has not been credited. XXXX states their credit card department did not receive the credit ( which BofA sent electronically ), Bank of America states they sent the funds but XXXX does not want to acknowledge it. 
I have been unable to obtain ANY documentation inherent the transaction, ex. what institution, routing code, corporate receivable account, batch reference tracer code, etc. nor a written acknowledgement of my claim by either of the XXXX institutions. This despite my repeated requests for formal acknowledgement. During the multiple conversations I understood that the payment, which I had instructed BofA to send to XXXX post office box, was processed electronically and sent to XXXX as the processor for XXXX. 
On XXXX XXXX I was " conferenced in '' with representatives of XXXX financial institutions, BofA Escalation Team and XXXX Claims, who promised to " investigate '' but refused to supply any information.
Consumer complaint received 2017-03-02
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CHECK INTO CASH INC. (TX)

XXXX is reporting a collection on my credit reports for a " Check into Cash '' payday loan claiming it was opened XX/XX/XXXX. for the amount of {$210.00}. I have not had a payday loan since XX/XX/XXXX and it was paid. They have refused to VERIFY the debt. Or this is so very beyond the statute of limitations in Texas.
Consumer complaint received 2020-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I have a credit card with XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me 30 day late account posting error. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX XXXX, and XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX   reporting me 30 days late on XX/XX/2018. There was an error on their part. I was never late.
Consumer complaint received 2015-08-11
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (CA)

I opened an account with Chase Bank approximately 2 years prior to XX/XX/2013. I had a fradulent activity take place on my account for {$1900.00} for some person in XXXX. I do n't know how this person got my account number. However, they wire transfered them funds into my account. I had regular activity going into my account that excited well over 2500 monthly, XXXX check through direct deposit and the other check was deposited weekly. I went to the bank to withdraw my monthly earnings and was told by one of the customer representatives did I have some unexpect fraudulent activity take place on my account but, she told me that it should not be a problem they just had place a hold on my account and she asked me to see one of the tellers in the branch. So I went to them she told me that she would investigate it and she did and told me that they were closing my account with no answer as to want happened because she gave my the {$300.00} and something dollars that I had left available on my account. Later, I received a text message from the bank telling my that I was negative {$1900.00}. from a wire transfer another representative told me. And I asked her how that could be I did not give another my account information other than my employers to do direct deposit on my account. She told me that I would have to clear it up. So a few days later they received one of my direct deposits from social security for {$1300.00} and then the other check I could not deposit because my account was close and I did not have the remaining XXXX to place into the account because they ate all of my bill money. So I called them up and told them that I was going to resolve the balance because I did not want any problems with them being reported to any collection agencies. This representative assured me that as long as I paid that everything would be okay and I could open up another bank account anywhere else because they were not going to report me. I asked her about timeframes and she told me that as long as I kept open lines of communication with them I would be okay since this was not my fault. She told me that I could file a police report but I told her that I did n't know who this person was in XXXX because I did not have any friendship, relationship or any connection to this person that did that. Then she said that it was fraudulent which I told her that it was. Then she went into to telling me that this type of activity does happen to people and the bank works with you on resolving the problem to protect their customer. So I ended up paying it in full to the bank. They told me that I should not have any problems with opening a bank account and there would be no reporting of a problem. So I opened up a checking account with XXXX Bank and trust with no problem. I was there for a while and had no problems then they closed my account due to XXXX complaint from chase months later. Please clear this up chase. This is clearly not my fault I do not know anyone in XXXX.
Consumer complaint received 2015-08-24
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (WA)

I never opened a chace credit card in XX/XX/XXXX I 'm assuming someone else did with my information had a purse stolen back in XX/XX/XXXX from a bar ... This person stole everything I had in my purse from checks to my cellphone and all sorts of information ... just noticed the date on this knowing it was somthing I never did did n't have credit card at that time ... so idk what to do because it was n't me who applied or got a card at that time!!
Consumer complaint received 2015-07-08
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (TX)

My direct deposit was still set up to my account before the account was terminated on XXXX XXXX. When i asked the teller over the phone what would happen to my direct deposit money from my job she told me the money would be rejected and sent back to the sender. This, in fact, did not happen. Instead, i was misinformed, and this was accually sent towards my negative balance and accepted as a " voluntary payment ''.
Consumer complaint received 2024-11-16
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. (CA)

Subject : Formal Dispute Under 15 USC 1681i ( 5 ) Request for Investigation and Correction To Whom It May Concern, I am writing to formally dispute an inaccurate item on my credit report, as provided under my rights outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( 5 ). This section of the law requires credit reporting agencies to investigate disputed information and promptly update or delete items that can not be verified or are found to be inaccurate. 

The disputed item is as follows : Account Name : XXXX XXXX XXXX ] Date Listed : [ XX/XX/year> ] Under 15 USC 1681i ( 5 ) ( A ), any item that can not be verified as accurate must be promptly deleted from my credit report. I request that you conduct a thorough investigation of this matter and provide me with the following : Verification of the Disputed Item : Evidence confirming the accuracy of the account information. 

Correction or Deletion : If the item can not be verified, it must be corrected or deleted from my credit report as required by law. 

Notification of Results : Written confirmation of the investigation results, including an updated copy of my credit report reflecting any changes made. 

Please respond to this dispute within the legally mandated 30-day investigation period. Failure to comply may result in further action to enforce my rights under the FCRA. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-05-26
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. (TX)

I am writing this due to non-compliance with XXXX, Experian, XXXX. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2015-11-04
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (FL)

I am a customer of Chase bank from XXXX. I deposit a check about two month before from my friend in XXXX in XXXX. Chase bank suspeneded the check and withhold the money from my friend 's account. When I want to ask the money back, chase bank manager keep telling me different ways to verify the maker of the check, which did not work. They first ask my friend to fix her name with her phone number through the verizon company, when my friend did that, they said their public record system says my friend 's name did not match the phone number, which is incredible. Then they ask my friend to recall that check, but it has been more than one month and the XXXX in XXXX refuse to do that since they have no reason to recall a correct check. Chase then told me to ask my friend to to go a chase branch to verify it ; however, there is no chase brank in Iowa city where my friend lived. Two weeks before my friend occasionally have a chance to travel to XXXX and she go the chase branch, this time chase told me my friend and I have to be in a chase branch simultaneously while I was travel in everglades national park. I really get XXXX and ask for another alternative solution, Then they finally agree to give me a copy of the check and ask me to mail to my friend in Iowa and notarize the check within the same page, and then return the document to chase. What drives me crazy is that after I did that and bring the notarized copy of check and a letter from XXXX clarify the issue back to chase, they refuse to accept the document and ask me to get my friend to a chase bank branch again. They just keep cheating to me in a few months. Now I suspect they do not even want to return the money to me and want to occupy it by all means. My friend and I are international students, we do not have that much time to deal with the issue. I also think chase does not have the right to withhold the money since XXXX in XXXX already approve the transaction and send a letter to clarify it. I really get tired with dealing the issue for almost three month and I already close the account, but when will they return the money to me or my friend. I wonder if CFPB could help me to resolve it, thank you very much!
Consumer complaint received 2016-05-05
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (WI)

This is XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX XXXX, XXXX WI. We have XXXX cd 's representing XXXX clients that have irrevocable funeral trust agreements with us that Chase Bank, XXXX XXXX XXXX XXXX, XXXX WI has sent the funds to the WI Unclaimed Property. We have made an effort with the Unclaimed Property people and they say Chase Bank has to file paper work to recover the funds back to the bank. The people at Chase Bank are unwilling to cooperate with us. 
Is there anyway you can encourage them to cooperate. This is not fair to the families that have entrusted Chase Bank to safeguard their funds for their funeral services. 
This whole issue has happened with our funeral home and Chase Bank in the past. This is the first time they refuse to assist. They evidently no longer wish to have irrevocable funeral trusts.
Consumer complaint received 2016-09-19
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO. (CA)

CHASE BANK MORTGAGE LOAN # XXXX WAS NEVER AGREED UPON AND MODIFICATION NEVER SIGNED, CHASE HAS SINCE AQUIRED XXXX TO TAKE OVER LOAN WITH A NEW MODIFICATION XX/XX/XXXX, CHASES AND XXXX HAS COMMITTED DUAL TRACKING FOR OUR PROPERTY XXXX XXXX XXXX , XXXX CA XXXX WE RECENTLY RECIEVED OUR FIXED NOTE ( PAID IN FULL ) WITH THE CHASE LOAN # XXXX AND A FULL RECONVANYCE WITH THE XXXX LOAN # XXXX BOTH LOANS HAVE DIFFERANT LOAN NUMBERS AND DIFFERANT XXXX # FOR THE SAME PROPERTY. THEY STOLE OUR PROPERTY OF OVER 23 YEARS AND WE WERE CURRENT WITH OUR ! ST LIEN HOLDER, AND NOW THEY SOLD OUR PROPERTY UNDER OUR NAME FOR XXXX, BUT SENDS A RECIEPT FOR {$150.00} WE WERE EVICTED OUT OF OUR HOUSE IN XX/XX/XXXX BY FRAUD AND THE PROPERTY IS STILL IN OUR NAME IN XX/XX/XXXX WITH CORRESPONDANCE OF FEES AND INSURANCE CLAIMS ON PROPERTY, BUT WONT SEND OUR FINAL CLOSING STATEMENT.
Consumer complaint received 2024-09-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc. (GA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2015-09-21
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO. (NV)

Opened a credit card account in XX/XX/XXXX. Interest rate was 9.9 %. XXXX XXXX payment due date was XXXX/XXXX/XXXX. XXXX XXXX statement did not show any increase in minimum payment. I made my XXXX XXXX payment and when I received the XXXX XXXX statement, the minimum payment jumped to XXXX with no significant purchases made during XXXX XXXX. After scrutinizing the XXXX XXXX statement, I noticed a late fee payment and also a change in my interest rate from 9.99 to 29.99 %. I immediately called this credit company and they said that my payment that was due on XXXX/XXXX/XXXX was late and that they did not receive it until XXXX/XXXX/XXXX. I could not believe what I was hearing especially since the holidays could have slowed the mailing process. They were very negative about my complaint and said that their policy stated that they had every right to do what they did. I have sent letters pleading with no avail. In XXXX XXXX statement which was due in XXXX XXXX, XXXX was not paid and in my letters, I stated that if no consideration would be given to my account, that they would not see a dime from me. I had a balance of about $ XXXX and I believe the balance is now up to XXXX or XXXX ( with all the late fees and other fees ). I have a credit score of XXXX and I applied for a VA home loan and was turned down because of the collection that is still on my credit report. The VA finance recommended that I get in contact with your company and maybe you could help me.