davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-12
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX I made a XXXX transfer from my Bank of America account to a family member. The family member did not receive the funds, nor did I receive an email telling me that the funds were sent to recipient. I checked my bank account ; the funds were taken out of my account. I called the recipient, my niece, to again ask if she received the funds. She had not. 
My bank is Bank of America. I called my account representative at XXXX XXXX Wealth Management. I was told a dispute would be filed. It was filed on XX/XX/XXXX. 
Dispute # XXXX. 
I was told that the funds were received by XXXX XXXX XXXX. 
I heard nothing from XX/XX/XXXX until today. Yesterday I called my account representative at XXXX XXXX.I was told that she would reach out to Bank of America again. 
Today I received a call from a person in the leadership team. She said she filed a complaint today # XXXX. it would take 120 days to be resolved. 
I asked for the funds to be put back into my account so that I would have the use of the funds while the dispute process is occurring. She said that a request that had been entered and denied, will try again. 
Ido not have the use of the funds, the recipient does not have the use of the funds. It is unconscionable for this to take as long as 120 days. 
I asked for information regarding XXXX XXXX XXXX. She did not have it available. I had been told that XXXX XXXX XXXX had received the funds, I want to see this and asked her to send. 
I am deeply concerned that cybersecurity may have occurred. Please investigate.
Consumer complaint received 2024-06-17
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX, FL XXXX XXXX XXXX XX/XX/2024 TO : ALL CREDIT REPORTING AGENCIES RE : Request for Removal of Charge-off and Collections from Credit Report Dear Whomever this may concern, I hope this letter finds you well. I am writing to bring to your attention an issue regarding my credit report, which I believe is not in compliance with the XXXX XXXX format. 

I recently reviewed my credit report and noticed that a debt that has been discharged and for which a 1099-c has been filed with the IRS is still being reported as a charge-off and/or in collections. This debt, in fact, should not be reported in such a manner, as it has been legally discharged and no longer exists. It is my understanding that this incorrect reporting is not in line with the XXXX XXXX compliance guidelines. 

The account in question is XXXX CAPITOL ONE AUTO FINANCE. The discharge of this debt was officially granted on XX/XX/2024 and the 1099-c was filed with the IRS on XX/XX/2024. I kindly request that you investigate this matter and, if my claim is found to be accurate, remove this charge-off and/or collections from my credit report. 

The continued reporting of this discharged debt is negatively impacting my credit score and could potentially lead to unwarranted financial complications for me in the future. I am confident that you understand the importance of accurate credit reporting and will take immediate action to rectify this situation. IF THIS ACCOUNT IS NOT REMOVED FROM MY CREDIT REPORTS, I WILL INVOLVE TAX ADVOCACY SERVICES WITH THE IRS FOR ALL PARTIES REPORTING THIS ACCOUNT NEGATIVELY. 

I am enclosing copies of the discharge and the 1099-c for your reference. Please let me know if you require any additional information to expedite the process. 

I look forward to your prompt attention to this matter. Thank you for your time and consideration. 

Sincerely, XXXX XXXX XXXX Enclosures : Copy of Discharge/Copy of 1099-c
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX dept of education acct 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 XXXXXXXX us dept of education acct # XXXX I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 2024-06-17
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (AZ)

Illegal Debt Collection Practices : Despite my formal request for debt validation XXXXolumbia Debt Collection has continued to attempt to collect an alleged debt without providing the neccessary validation as required by Fair Debt Collection Practices Act ( FDCPA ), specifically violation 1692g and 1692e. Columbia Debt Collection been using my Trademarked name, XXXX XXXX XXXX without authorization. This constitutes trademark infringement under federal and state laws. I am seeking an immediate cessation of all unauthorized use of my trademark name, termination of all illegal debt collection activites and confirmation of compliance with legal requirements.
Consumer complaint received 2024-06-17
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: FIRST PORTFOLIO SERVICING INC (MI)

I received a email to settle my account. I called to accept the settlement and credit card company told me I needed to call back closer to when I could make the payment. I called back on XX/XX/XXXX to accept the settlement amount and schedule XXXX payments that would close and settle the account. I sent up XXXX payments for {$55.00} first to be deducted on XX/XX/XXXX and the next on XX/XX/XXXX. I asked the creditor to provide a letter agreeing to the settlement that included the terms of the settlement. I was told they wouldnt provide that until the two payments were paid. I thought this was very odd because I wouldnt have any documentation of me agreeing to the amount I accepted. On XX/XX/XXXX the XXXX payment was deducted. I called back requesting documentation again because I kept receiving emails with different settlement amounts. Still they wouldnt provide the letter. I even asked to speak to a supervisor and they said they do not provide settlement letters until its paid in full. So I called back the week before the XX/XX/XXXX payment was due to confirm the payment was being deducted and asked still asked for a letter and they now said the settlement is pending until the last payment is received. Its not XX/XX/XXXX and they didnt deduct the last payment. I called today and the customer agent stated there was no settlement agreement for my account so I stated that was impossible because the initial payment was made already so I asked to speak to a supervisor and she stated its pending and that there was no payment set up to come out on XX/XX/XXXX. I told her this is why I requested the letter documenting me accepting the settlement because they keep sending me emails with different amounts and no that the final payment hasnt been deducted this is hurting my credit. Since they record every phone call I asked that she go back and check XX/XX/XXXX when I called and set the XXXX payments up to be automatically deducted from my XXXX  card.
Consumer complaint received 2024-06-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This complaint is not sent in error. My credit report has some false and not 100 % accurate Information. This inaccurate information is causing undue stress and is affecting me negatively.
Consumer complaint received 2024-06-17
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (CA)

I have contacted TransWorld Systems numerous times regarding a collection account showing on my credit reports. I have also disputed this account multiple times with all three credit bureaus. The company they are saying is the original creditor is XXXX XXXX. I do not and have never lived where XXXX XXXX offers services. This is not my account. 

The address that Transworld Systems is telling me is on the account is not an address that I have ever lived at nor heard of. From my understanding, the collection company must provide some type of proof when I dispute the item. The company has clearly not provided the credit bureaus any proof as that would be impossible. I have been receiving constant mail from TransWorld Systems as well as constant harassing phone calls at very odd hours. I have been putting off filing a lawsuit against what appears to be a fraudulent company. At this point I am trying to buy a home and this incorrect negative account is causing my family great distress. Since TransWorld Systems as well as the three credit bureaus are unable to assist with this incorrect account that do not belong to me, I am requesting an investigation from the CFPB.
Consumer complaint received 2024-06-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/year> I paid XXXX XXXX XXXX {$170.00} using Chase Debit card, I did not receive any service, I tried to dispute it. 

XXXX only has an intention to make a fool of the customer, I sent them a message on their app, also tried to connect with them on " XXXX  '' but to no avail. 

Finally they asked me to contact customer service on a phone number, when I contacted their customer service, their world famous XXXX customer service came over the phone, thats the most irritating customer service in the whole world. 

They ask stupid, nonsense, irrelevant questions which doesn't make any sense, their only intention is to irritate the customer so much that either customer bang up their head on the wall, or XXXX XXXX 

After wasting XXXX minutes of mine and promising me the world, they said that they can not dispute the charge.
Consumer complaint received 2024-05-23
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. (IA)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-09-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (MA)

On XXXX XXXX XXXX I submitted a one page form to Edfinancial, together with a cover letter explaining what I needed. The letter and form asked Edfinancial to verify the amount of my outstanding loan ( {$1100.00} ). The Edfinancial website does not have an obvious place to upload these forms, so I called and spoke to a representative who advised me to upload the form using the " cancelled check '' option. After a month, I didn't hear anything, so I called Edfinancial and was told that they " faxed '' it. Yes, its XXXX and they would have me believe that they faxed it instead of emailing it. Sure. So I checked with my employer XXXX XXXX XXXX who confirmed they did not receive it by fax or otherwise. I called Edfinancial again and asked that they email it to my employer and to me, so I would know when it was done. Another month passed, and I tried to contact Edfinancial to get the status and can not get through. I tried emailing, live chatting and calling. You literally can not get through. 

I think they are engaging in at least one obviously fraudulent and abusive practice. They have an option during long call wait times to have them call you back. Here 's what they are doing : After many hours, they call you and as soon as the call connects, THEY HANG UP. This happened to me twice. I think they are doing that to give auditors the impression that they are clearing calls.

Anyway, they are not responding to emails. The call wait times are 10 hours long. Their " live agent chat '' is " unavailable. '' I've complained to everyone I can think of. 

I'm XXXX XXXX XXXX and I don't owe a lot of money and my own inability to get through to Edfinancial is not going to wreck my credit or anything. But I can only imagine what this is like for a XXXX XXXX XXXX who owes real money and for whom getting through is very important. These servicers are all terrible and abusive, but EdFinancial is the worst I've dealt with.
Consumer complaint received 2024-06-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NJ)

I booked a roundtrip flight to XXXX on XX/XX/XXXX. The ticket says clearly that there is no baggage charge on the return flight. Yet on XX/XX/XXXX the agent insisted I pay for a charge to get my bag back to the US. Being in a foreign country and using my United card with which I booked the ticket with United, I thought my Chase United card would have my back. I called United and Chase who both agreed the charge was fraudulent. When, after a few days Chase didn't remove the charge, they suggested reaching out to XXXX XXXX. XXXX XXXX mentioned my card terms ( which require free bags on XXXX flights ) but didn't address my ticket clearly stating no bag charge was permitted. By either token, given the XXXX designation and the clearly stated ticket free of a charge, Chase had an obligation to prevent the charge. I filed a dispute with Chase who initially agreed but then XXXX XXXX disputed the charge and they are siding with them. 

This is a textbook fraud. It is like buying 10 XXXX  from XXXX XXXX for {$10.00} and XXXX XXXX seizing the order and demanding {$20.00} to hand it to you.
Consumer complaint received 2024-06-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC (NJ)

Collection company reached out few mi ths ago and told me about this debt. I told them that I had XXXX XXXX and insurance so why I'm getting g billed. I did not get any notification of anything owed. I also reached out to my insurance company and they are saying no one reached our to them to pay. I provided my insurance company information to collection company. Now no information no reach out. They report to my credit report and hurt my credit I called them they are saying they don't have any information no statements no contracts no bills. Just that I owe XXXX dollars. I asked repeatedly to validate the debt. They say no. They could offer a discount. And me to pay this bill. Repeated calls over the whole day XXXX to 5 times a day. Please remove everything from my credit
Consumer complaint received 2023-11-02
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. (PA)

Below is the response Ive received from Equifax regarding an ongoing dispute for an account that was open fraudulently, Ive provided all supporting documentation and still havent had my issue resolved, this is ridiculous and Im planning to sue Equifax and all parties involved! I personally feel like Equifax have been operating against consumers fraudulently and their multiple data breaches are the reason why Im a victim of identity fraud to begin with. It also took them longer than 30 days which is obviously another clear violation of the FCRA : Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Trade : CARD ASSETS, A XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. Trade : FIRST TECH FCU WE SHOW THAT YOU HAVE PREVIOUSLY DISPUTED THE SAME ITEM AND EQUIFAX IS EITHER CURRENTLY PROCESSING THAT DISPUTE OR HAS RECENTLY PROVIDED YOU WITH THE RESULTS. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. If you have any additional questions, you may call XXXX ( XXXX ) or you XXXX visit XXXX. With XXXXEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. You may also obtain a free copy of your credit report on annualcreditreport.com.
Consumer complaint received 2024-05-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am utterly disappointed right now, you complete disregard your own stated timeline. In your memo dated, it's explicitly stated that the results of the investigation would be provided to me within 30 days. That deadline has come and gone without a single word from them regarding the status or findings. 

This lack of follow-through and blatant failure to uphold their commitment is unacceptable. You are the bureau and you have ample time to conduct your work and there is no justified reason for this excessive delay in sharing conclusions. In your memo built an expectation that I relied upon, and your inaction represents a breach of that assurance.
Consumer complaint received 2022-12-05
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: DISCOVER BANK (AP)

Hello, This started in 2021, when I finally checked my credit for the first time after noticing old bills in my name in my mothers home. She XXXX XXXX and we were cleaning out her home. I saw that it was a charge off and I been trying to dispute it ever since. At first, Discover didnt tell me I had to create the identity theft report or anything, they only told me that itll be on my credit for 7 years. I was confused because it didnt make sense. The worker did not care and was rude. XXXX XXXX XXXX military stationed in XXXX XXXX for the last two years. This past year I sent my information with EVERYTHING, FOUR times. Due to my work hours and the time difference I try my best to contact everyone and get names of people but Im always led wrong number after another. I even sent all of the required information by mail to XXXX AND Discover. XXXX is telling me that I probably need a police report as well as the XXXX XXXX XXXX paper but how can I make a police report on a person that has been dead for a year? I called them time and time again. Discover is still saying that my information is correct. Im thinking, of course its correct because my mother is the one that took a credit card out in my name! Not me! Ive talked to XXXX and XXXX and they were nice and explain to me to keep disputing it. This is absolutely ridiculous. Ive also attached my mothers death certificate because it feels like no one is listening to me.
Consumer complaint received 2024-06-17
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: BMO Bank, N.A. (CA)

on XX/XX/year>, around XXXX, I was trying to make a payment from my BMO checking to pay BMO Heloc account in the amount of {$62.00} online. There was an error, so I re-did again and I saw a note that " we've hit a road block, please contact our Real Estate Loan Servicing team for assistance at ( XXXX ) XXXX and report error code XXXX. I basically did total of 3 attempts before I called customer service for help. Customer Service team transferred me to their tech support team and tech support told me that they couldn't recognize this error message. Tech support team said, I need to go back to talk to customer service team again and they are the one who can assist with my issue. I got transferred back to customer service again and she told me just go to the near BMO branch to pay my bill or mail out the check. Do you know I don't know this? I told her that I can " go to the bank nor mail out the check. ( There's no branch office in my area and I didn't want to take a chance by mailing out the check which can take too long or mail can be lost ) Representative said she can't do anything to help me. I asked if there's any other options or dept who can help, she said no. I was extremely upset and disappointed by the customer representative 's reaction, response, and attitude, instead of being sorry and sincere, the customer representative was rude and unprofessional! I just hate BMO online banking services. Since Bank of the West got merged with BMO, everything has been not working properly. It's not like Bank of the West was good either, however BMO is the worst bank which, I have work with. BAD online service ( very difficult and complicated to use it ) and BAD customer service!!!!!!!