davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-04
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have been attempting to rectify the situation with Bank of America by calling various executives including the Assistant General Counsel to no avail. After further review of my account I located {$490.00} worth of bank fees on XXXX account alone within the last month. All of these were based off of Bank of America allowing electronic payments to post and then charging my account a bank fee. The most recent fee was for a {$7.00} charge that they returned to a vendor that last month they choose to pay as a " courtesy '' when the transaction was for well over {$100.00} and the account was overdrawn for a lot more than it was when they returned the {$7.00} transaction. When I asked them to place a block on my account so that if I do not have the funds in the account electronic transactions can not be processed, which would avoid the overdraft fees being assessed I was told that it could not be done since my account was overdrawn. 

In addition to their unresponsive, unethical, and dishonesty I located XXXX erroneous transactions just with a preliminary review of my account. These transactions along with the bank fees that were assessed to my account put it in the positive, therefore there justification for removing funds from my savings account to cover the fees that they placed on my account is even more so ridiculous. Out of the {$540.00} that was taken from my savings account from the funds that I had already authorized to be paid to XXXX XXXX on XXXX/XXXX/15 at least {$490.00} of it was to cover fees that they placed on my account to cover transactions that they either " courteously '' paid or for bank fees that were assessed to my account.
Consumer complaint received 2024-10-01
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SANTANDER HOLDINGS USA, INC. (MN)

My vehicle was repossessed on XX/XX/XXXX, the loan plus applicable fees of {$16000.00} were paid in full on XX/XX/XXXX, since then we have been contacting XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX to get the car back and we are getting nowhere with XXXX systems and being able to pick it up. The paid off and the XXXX has been released, I am reaching out to you to see if you can help as we are getting nowhere with XXXX to get our car back. I called on Friday and was told by XXXX XXXX she answered the phone at XXXX ) that the website was not working even though the message you get when calling asks you to use rmsrecovery.net, she said that the lot attendant where the car is being held are only available on M/W/F XXXX and that you have to make an appointment 24 hours in advance. I called Monday and was told by XXXX that she had made an appointment for us to pick up the car today ( Tuesday ) at XXXX XXXX but we never received confirmation or the information needed to pick up the vehicle. So when I called back, she told me that she was not able to confirm the appointment but she would set us up for Wednesday at XXXX and she would call me to confirm, again no call. I called at XXXX XXXX XXXXoday ( XX/XX/XXXX ) and was told by XXXX that she scheduled the appointment for XXXX on XX/XX/XXXX and would call me back to confirm. I then reached back out to XXXX  customer service who tried to call to see if they could help, they called and were told that I would receive a call back. I called XXXX again at XXXX, after being on hold for XXXX XXXX I again got XXXX who gave me the same information as before, when I pressed about my concern of the the information and runaround I was given, not to mention being concerned that my car would be sent to auction and about the negative reviews on the XXXX XXXX XXXX  websites ( all mention the same exact thing I am experiencing ) she told me that they haven't gotten anything back from the lot attendant but she has me scheduled at XXXX but can not give me any further information. I have to work and I need to know when I am going to be able to pick up the car. I have filed a complaint with the XXXX XXXX XXXX  I contacted the MN Attorney General XXXX XXXX and his office has asked me to file a complaint. I have also contacted my own attorney. I did everything that I was expected to do and now I can not get my car back, I am hoping someone from your office can help as soon as possible. My car is a XXXX XXXX XXXX XXXX and the last 6 are XXXX. I can be reached at XXXX or XXXX, I would like to resolve this as soon as possible.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (FL)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (WI)

My XXXX and one of my phones was stolen from my gym locker. On XX/XX/XXXX this person got access to my devices and my XXXX XXXX account and had sent one of my XXXX XXXX contacts $ XXXXThe individual they sent it to had sent it back thinking it was a mistake. Before I realized what was happening and could secure my account this person withdrew the money immediately onto a card or bank account which stated on XXXX XXXX as a XXXX XXXX  transfer. If XXXX XXXX did proper investigation they should be able to discover that this bank account or card that the money was withdrawn too does not belong to me. I knew this transaction happened right away due to seeing the text message of fraud from chase on my personal phone. I called the bank right away informing them that someone had been on my XXXX XXXX  due to my devices being stolen, and disputed the transaction with XXXX and the bank. On XX/XX/year> the claim was denied by Chase. On XXXX a chase representative stated to me that due to XXXX XXXX providing supporting evidence that the money was sent on MY ACCOUNT that it was authorized and benefited me, the representative also stated that I should have better security on my devices and should not share my passwords with anyone. This was quite offending considering my devices being stolen is out of my control and losing {$2200.00} is hard enough. Also, i have never shared my passwords with anyone or allowed anyone to use any of my accounts. 
This has never happened to me before and I have been a long term customer of Chase so it is unfortunate that they would deny my claim not knowing the whole story or allowing me to provide this evidence. Due to this I have been highly considering closing my banking with them if they can not provide a solution. 

A similar case happened with XXXX as well and they were able to resolve the dispute due to the unauthorized charges. Will attach pictures below of outcome.
Consumer complaint received 2023-09-20
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. (TX)

This is my 2ND 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 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 XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX A XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$790.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$5500.00} ; XXXX ASSOCIATES I ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1900.00} ; XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$730.00} ; XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Continental Finance Company, LLC (CT)

On my credit report I have informed XXXX XXXX its not mine. Celtic bank not mine and XXXX that it is not mine this is being reported twice. XXXX XXXX XXXX  not mine. I did an Identity Theft Report. XXXX. I reported it to all credit bureaus and they still have not removed them
Consumer complaint received 2024-10-04
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (TX)

Original loan was sold to a different company. At closing and before, we were told no payment due until XXXX. Closing took place on XX/XX/XXXX. They took XXXX for XXXX pymt and I stopped pymt as we did not owe for XXXX New payment went down to XXXX. At this time we are current. We then got a letter say we had an escrow amount owed us of XXXX. We got check, deposited it and then the mortgage company told my bank to send it back, which they did. We have letters and emails saying it was our escrow money but now we are getting XXXX. What can we do?
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (FL)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Collection XXXX XXXX XXXX XXXX Late Payment XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Personal Info : Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Also Known As : XXXX XXXX
Consumer complaint received 2024-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A. (NY)

On XX/XX/, I was charged a Foreign Check Collection fee of {$30.00} by Citibank. This was related to a check for XXXX GBP which I deposited on XXXX and posted to my account on XX/XX/ in the amount of {$57.00} USD. This fee was not disclosed to me at the time of deposit, and I can not find any information about it on Citibank 's website or on the documents I received when I opened my account.
Consumer complaint received 2024-08-12
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)

" I obtained a copy of my consumer report and notified these agencies multiple times, specifically on XX/XX/year> and XX/XX/year>, about the items I disputed. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me, the consumer, as required by the Fair Credit Reporting Act. I sent my notice to these agencies, which included a FTC Identity Theft Report, A FTC Affidavit and I also filed a complaint with the CFPB. Along with this letter, I have also included an Affidavit of Truth to further substantiate my claim. 

I explained the violations your agency committed under the FCRA, while informing your agency of the fact that these items were reported without my expressed, written consent. This leads to way of identity theft, which leads to a violation of the civil liability section of the FCRA, as I informed you in the previous notices, which I have attached once more again for your record! 

This is a FINAL NOTICE to give your agency an opportunity to correct this situation or I will be forced to protect my credit rating and file a lawsuit against your agency. I have proven to your agency on many occasions that these items are a violation of the FCRA and should in fact be DELETED but your agency continues to violate me so I dont know what else to do besides suing your agency at this point. 

I have suffered emotional distress as a result of this matter and I demand this matter be resolved in a fair and equitable manner, which still hasnt been done "
Consumer complaint received 2022-02-03
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. (TX)

On XX/XX/2021, XXXX XXXX XXXX appeared on my report with a balance of {$12000.00}. I submitted a report with CFPB case number XXXX and received the attached report from XXXX XXXX  XXXX with no record of the account.
Consumer complaint received 2024-09-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

As a Federal Student Loan Borrower ( Stafford Subsidized, 1-02 Graduate PLUS ), I was steered into forebearnace instead of an income-driven repayment plan/experienced payment mismanagement/credit reporting issues. Resulting in my loan exponantionally increasing due to fees and high interest rates. This forebearance, resulted in interest to continually acrue and capitalize, Navients illegal practices resulted in additional interest charges. This was a regulatory violation. Department of Justice and FDIC ruled in 2014, yet the practice continued and CFPB did not reach out to borrowers like myself. Navient violated the Consumer Financial Protection Act, the Fair Credit Repting Act and the Fair Deby Collection Practices Act. Yet, the CFPB never contacted borrowers like me!

Navient harmed student loan borrowers such as me by ; Misleading borrowers about income-driven repayment plans, Botching payment processing and misleading myself about improving credit scores and the consequences of federal loan rehabilitation. I was impacted by Navient 's predatory lending, deceptive practices, unfair and deceptive student loan servicing practices. Abuses in originating predatory student loans. As Navient as being asked to settle this and I have not received my settlement payment as stated in the class action lawsuit. I await my CFPB redress check.
Consumer complaint received 2024-10-04
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: CHERRY TECHNOLOGIES INC. (KY)

I was mislead and lied by spa services advertising XXXX dollars facials and got signed some paper that landed me into a company called cherry that I did not know was to pay upfront for the services I never received and they are trying to collect from me for services I didnt got
Consumer complaint received 2024-09-27
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company (CA)

Due to the age of the property ( XXXX XXXX XXXX, XXXX XXXX, CA XXXX ), several issues have risen since XXXX. In XXXX, an insurance claim was filed with XXXX for damage sewage piping causing major flooding in the crawl space of the house, affecting the master bedroom. Freedom Mortgage 's ( XXXX XXXX XXXX  ) XXXX XXXX Department XXXX XXXX XXXX '' XXXX the mortgage company, handles insurance claims documents and had this claim active in their database without ever closing it since XXXX. Repairs were completed and claim should've been closed. 

On XXXX of XXXX, another insurance claim was filed by the homeowner with XXXX for roof/water damage to 80 % of the house. Repair were completed in XXXX of XXXX. Checks were mailed to XXXX for processing and payout for the job completed by the XXXX ( XXXX XXXX Restorations, " XXXX XXXX '' ). However, XXXX failed to verify the XXXX claim was still active in their system since XXXX, never closing the old claim, and never updated their database with the new claim. This resulted in multiple unnecessary steps and actions that delayed the processing of checks, pertinent documents, and inspections for over 30 days ( and counting ) : XXXX. Checks missing endorsement were sent by XXXX to the previous XXXX from XXXX ( XXXX XXXX ) because the claim was never closed, resulting in delaying the procurement of those checks by the home owner and the delivery of them to the current claim 's XXXX for endorsement by XXXX weeks. 

XXXX. Required inspection of the property were delayed due to XXXX not informing homeowner of homeowner 's responsibility to request said inspection of the property in the previous times ( XXXX ) during phone conversations, delaying the inspection process and the payout of subsequent funds upon completion of inspection. 

Currently, no checks have been processed ( XXXX Checks still pending payouts ). Checks requiring processing and payout are : Check # XXXX in the amount of {$4900.00} Check # XXXX in the amount of {$7300.00} Check # XXXX in the amount of {$69000.00}
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (TX)

The credit bureaus will not let me use annualcreditreport.com For the past 7 years I have requested my annual credit report only to have the website tell me they will not fulfill the request. It has never been granted and when I ask the credit bureaus why they will not provide me an answer. My information is accurate and matches.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is in reference to Account XXXX XXXX XXXX XXXX  ) Dear TransUnion, I am writing to dispute the accuracy of account XXXX XXXXXXXX on my credit report. Following the completion of your most recent reinvestigation, I am requesting The Method Of Validation used to determine the accuracy and completeness of the information furnished. 
Please provide the following information : 1. A detailed description of the procedure used to determine the accuracy and completeness of the information furnished.

2. The names, work email addresses, and work phone numbers of the individuals involved in validating this debt.

3. The business name and address of the furnisher of this information.

If TransUnion is not able to provide the requested information above upon 15 days of their receipt of this dispute, I am requesting that this account be immediately deleted from my credit report. 
I demand that you refrain from using any stall tactics in response to this letter. You are required to respond within 15 days of your receipt of this dispute, I look forward to your response.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: JPMORGAN CHASE & CO. (GA)

I have contacted Chase Auto and JP Morgan Chase Bank NA Secured Part since XXXX Regarding their reporting inaccurate information on my credit report and every since XXXX I have been requesting by Phone and by mail a 1099C since they have been reporting on all three credit reports that this account is has been Charge - off. This account has been deleted and reinstated without contacting me to let me know that it was being reinstated according to the FCRA laws.

On my credit reports, they are reporting a repossession in the year XXXX. They also are reporting repeated charge-offs in XXXX. They are also reporting repeated repossession in XXXX to the XXXX account. I have contacted all three credit bureaus, regarding the same issues and their reply would be, that they have verified the account as accurate. which having repeated charge-off and repossession on your credit file is illegal and damaging to your creditworthiness. According to the FCRA, all these companies that I have named above violate these laws. 
15 U.S.C. 1681s-2 ( a ) ( 1 ) : Obligates furnishers of information ( such as creditors ) to report accurate information.

15 U.S.C. 1681e ( b ) : Requires credit reporting agencies to follow reasonable procedures to ensure maximum accuracy.

15 U.S.C. 1681i ( a ) ( 5 ) Expedited Dispute Resolution 15 U.S.C. 1681i : Governs the dispute process and requires CRAs to investigate disputes.

15 U.S.C. 1681n : Provides for statutory and punitive damages for willful violations of the FCRA.

26 U.S.C. 6050P : Governs how canceled debts must be reported to the IRS and indirectly affects credit reporting practices.

26 U.S.C. 6050P : This statute mandates that canceled debts of {$600.00} or more must be reported to the IRS, and I should be furnished with a 1099-C form as evidence of this.