davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-11
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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (MD)

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. 
I told XXXX, XXXX, and XXXX to reinvestigate these accounts : Account name : GENESIS CREDIT MANAGEMENT, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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. Also they are not in compliance with XXXX XXXX  credit reporting. i have evidence to prove my case that also was sent to them multiple times.
Consumer complaint received 2024-02-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX month ago, my account was locked by a mistake of the bank and they said unfortunately XXXX cant reopen it and they will send me the money back in XXXX weeks, but I have not received it yet. 
The mistake is that they bind my sisters credit score to my account cause there only XXXX letter difference between our names, my sister never provide her social number to anyone else, so she thought someone is fraud. She went to bank and asked for the help, the bank didnt provide any information to her, and they just locked my account.Its my account, not her! After I found my account be locked, I bring my sister back to the bank and explained to them, but they said there is no way to reopen it and they can give me the money back with check in XXXX weeks. 
Its XXXX month later, I dont received any mail, and I dont receive any info about my account status after my account was locked, today I called them for more than around XXXX hours to figure it out, and finally, they just said there is no estimate time about when my money will be returned and call us every XXXX to check. 
Its unfair. They keep my money. BofA is a big company, I have to transfer my call from XXXX department to another department to describe and ask, it feels like my case is a ball they kick for fun. 
I hope to get my money back immediately.
Consumer complaint received 2023-06-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (VA)

About 2 years ago I was banking with Wells Fargo. I had banked with them for well over 10 years. I tried to make a purchase at a food truck and was told my card was declined. I called customer services and was told there was suspicious activity. I verified that all the transactions were ones that I had made. The next day went to XXXX XXXX and my card was declined again. Called again and was told my card was froze. I told them that all transactions were mine again. They asked if there was anyone else that could have called and reported suspicious activity. I told them that the only other person that held a card at one point was my ex husband. He was never on the account and I never added him I just requested an extra debit card for him to use. At this point we were divorced for almost two years. They told me to file a claim and someone would called me back. When they called they told me that they couldnt unfreeze it unless I went in person to a branch. The closest branch to where I live is 40 minutes away so I was reluctant to go but did so anyway. I went into a branch with my social security card, birth certificate, drivers license, and passport to verify my identity. At this point I wanted to withdraw my money and close the account because I did not have access to my account for over 2 weeks. I had to borrow money from family and friends to pay bills etc. I was told in the branch that my ex husband had to be the one to come in and close it. I explained that he was never in the account it was in my name. They said they were sorry but that is what had to happen to lift the freeze in the account.It was a hassle. Thank goodness we are still on speaking terms and he handled closing the account for me. I still dont understand why they froze the account when I verified all my information and brought in all the documents I needed in order to do so. It was easier leaving the country than it was closing that account
Consumer complaint received 2024-04-15
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. (NC)

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.

The following inquiries for fraudulent and have violated right. 

XXXX XXXX XXXX XXXX XXXXEquifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEquifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEquifax XXXX XXXX XXXX XXXX XXXXEquifax XXXX XXXX XXXX XXXX XXXXEquifax XXXX XXXX XXXX XXXX XXXXEquifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEquifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  HAS VIOLATED MY RIGHTS 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. 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.
Consumer complaint received 2024-04-15
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2024-03-15
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (FL)

Consumer reached out to investor services to request account be reopened. Discover Bank ( incorporated in Delaware ) closed consumer account and has not withdrawn the Power of Attorney on file with the IRS. The companys issuing entity has an indentured agreement with XXXX XXXX XXXX XXXX XXXX XXXX ) as the consumers fiduciary to ensure request are completed that are received by the noteholder ( consumer ). Per the Trust Indenture Act of 1939, there are duties not being completed when it comes to the consumers account, which include discharge. Since the company would like to trade the Notes/Bonds backed by the consumers financial asset that was signed at the beginning of the contract/cardholder agreement by trading in the secondary market the consumer wants the account reopened. The company is still making money from the consumers signature ( forensic audit details this information ) and collecting in a certificate of deposit created for deposits received to get interest every two years. Additionally, Discover Bank sold its rights and title to all receivables to its depositor, who turned the financial asset into cash, securitized it through the master trust which allows the cash flow that is accumulating. Thank you for your attention. Consumer would like something in writing about next steps.
Consumer complaint received 2024-03-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (AZ)

Last month Nationstar / Mr Cooper claimed I didnt sent my mortgage payment. After spending several hours on the phone they eventually found the funds. This month they are again claiming I didnt send payment. My bank automatically pays this thru auto bill for and has for years. I have no way to contact a person given there given their automated phone system.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.
Consumer complaint received 2024-03-14
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (CA)

There was a tax levy against my account starting from XX/XX/year>. I contacted the State of California and resolved the issue. Despite the state tax agency sending release authorization letters in 2023, stating that the restriction should be removed, it was not lifted from my safety deposit box, which is perplexing since my Chase Bank checking account is unrestricted. I reached out to the state multiple times between XXXX and XXXX, and they sent multiple letters to Chase Bank via fax and mail, requesting the release of the account. However, each time I contacted the bank, they changed their stance. Initially, the agent claimed the release authorization was invalid. When pressed for an explanation, the agent was unsure and later asserted that it wasn't addressed to Chase Bank. After contacting the state again and receiving another letter, the bank shifted its stance once more, now insisting that the release must explicitly mention the safety deposit box. 

In addition, I'm urgently trying to retrieve my travel documents from the safety deposit box to travel, but the bank refuses to release them or grant me access, despite repeated requests from the state tax agency for the release. It feels as though they are holding me XXXX and engaging in manipulative tactics.
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

On XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The XXXX was financed by XXXX XXXX XXXXXXXX XXXX XXXX  IL. I lost my job in XXXX of XXXX ( XXXX XXXX ) and fell behind on my payments. 
On XX/XX/XXXX. XXXX the vehicle was repossessed by XXXX XXXX XXXX My balance with XXXX XXXX XXXX at the time of repossession was {$9100.00}. + Repo Fees. which were in the excessive amount of {$4200.00} bringing the total amount to {$13000.00}. This is the amount that shows up on my credit report with Experian and XXXX XXXX credit Bureau 's. The amount of {$13000.00} is incorrect and should be less after the vehicle was sold privately or at auction. 
By the laws of the state of Illinois I'm only responsible for the Deficiency balance. I've spoken to XXXX XXXX at XXXX credit on this matter several times and asked him why he never provided me with a Deficiency notice for which he's bound by law to do according to the laws of the state of Illinois. 
I'm asking for this agencies help in getting the Deficiency balance from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, IL XXXX ( XXXX ) XXXX Thank You XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2024-03-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (VA)

On XX/XX/XXXX, I received a notification from my bank indicating that our account was overdrawn due to an unauthorized payment of {$2600.00} to Chase for my XXXX credit card 's full balance. I did not receive any email confirmation for this unauthorized transaction. Subsequently, I spoke with a supervisor who assured me of a full refund by the XXXX. However, the refund was not processed, and upon contacting another supervisor, I was informed that I would have to wait an additional 7 to 10 days. 

Despite explaining the urgency of needing the funds they withdrew without my explicit consent, the supervisor displayed a lack of empathy for their mistake. I had to borrow money from various family members to cover essential expenses such as bills and groceries. I am seeking a prompt resolution to this matter and would appreciate information on my rights, as this situation appears to be highly irregular and possibly illegal. Thank you for your time and attention to this issue.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I called XXXX XXXX XXXX XXXX on XX/XX/year> XXXX, at XXXX XXXX  XXXX and spoke to customer service and advised them payments were being reported late negatively affecting my credit report. The payments that are being reported on my credit profile violate my consumer rights under FCRA Consumer Law 15 USC 1666B. As a long- time customer that has had exceptional payment history with XXXX , I am appalled that they will violate my consumer rights in such a manner that is detrimental to me achieving a good credit profile which affects my approval for other accounts. After speaking with XXXX customer service, they were not helpful and didn't listen to as a long-time customer. They advised me there was nothing they could do, although they were aware my consumer rights had been violated. I can not believe a company of this magnitude doesn't care about their customers consumer rights. XXXX is tarnishing my name and credit profile by reporting these late payments inaccurately without my consent. As well as my creditworthiness, character, and my general reputation which is also against the FCRA
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

Greetings, USAA has engaged in unfair deceptive and abusive acts and practices, also known as UDAAP concerning my USAA insurance policy. I have multiple services with USAA to include banking and vehicle financing. 
On XXXX XX/XX/XXXX, I learned that my USAA Auto insurance policy was cancelled without proper notice. This is alarming seeing as I had a payment arrangement with USAA that was discussed on XXXX XX/XX/XXXX. Specifically, I contacted USAA to advise that I needed more time to make a payment due to an unforeseen financial circumstance. I spoke with a representative who advised that I should make a payment by XXXX XX/XX/XXXX. The representative advised that if I could not make a payment, I should call back to see what options would be available. She indicated that she would update my account notating that information. On yesterday, XXXX XX/XX/XXXX I went online to make a payment only to realize that my policy had been cancelled. Over the last month, I have been XXXX for XXXX XXXX  and only had access to email. On XXXX XX/XX/XXXX, I received an email from USAA, but there was no indication or date stating that my coverage was on the verge of being cancelled. Last week, I returned from XXXX XXXX  to learn that my auto insurance was cancelled. When I spoke with a representative on yesterday, she was increasingly condescending and stated she could not find any notes from the last conversation Id had with USAA on the topic. I found that troubling and asked that they pull the call records to listen to the conversation. She stated that process could take up to 5 business days for that request, meanwhile, I was left uninsured and my consumer credit report impacted. I requested that my insurance be reinstated. The representative ran a quote that doubled my last premium with USAA. I am shocked. I am being mistreated and unfairly evaluated in this urgent matter. This is not right. On today, XXXX XX/XX/XXXX, the representative admitted that the phone call was reviewed and the payment arrangement was discussed. USAA never set up the agreement on my behalf. I told the USAA representative that I could not set up the arrangement myself which was why I contacted them for assistance. Today, the USAA representative was hostile towards me. The bottom line is she did not hear the phone call ( her supervisor did ) and she has no authority to assist and she continued to gaslit me about what was mentioned on the phone call. That representative refused to assist in any manner helpful in this already tense situation.
Consumer complaint received 2024-03-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

There is a misunderstanding. few Weeks ago, I provided the details of my company documents to PayPal. However, after their review, they banned my account and are not allowing me to withdraw my money. 

The issue happen because the agent who reviewed my files lack of knowledge. The situation is that I reside in XXXX but recently opened an XXXX company in the XXXX for my online business. Consequently, I connected my PayPal account to my business, and they requested submission of company documents. However, the agent mistakenly assumed that I reside in the XXXX, not XXXX. It's worth noting that the identification and passport I submitted when opening my PayPal account were from XXXX. Hence, the agent mistakenly concluded that I was misusing PayPal, resulting in this misunderstanding. 

I have been using my PayPal account for almost three years now, and it was only this month that I established a business in the XXXX. But the PayPal agent did not understand this change in circumstances. 

I would like to request a review of my account and a reevaluation of my documents. Additionally, I am prepared to provide any additional documentation necessary to clarify the situation, as I have not engaged in any misuse of PayPal services.
Consumer complaint received 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

in accordance with the Fair Credit Reporting act 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 has violated my rights. 

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
Consumer complaint received 2019-07-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (MA)

I was given a student loan with Sallie Mae ( now Navient ). I was XXXX at the time and didnt know what I was doing. The initial amount was for {$10000.00}. The loan now is around {$25000.00}. Over the years Navient has urged me to pay the minimum amount of apply for forbearance with ballooned the loan up to 200 % what it initially was. Navient has been unwilling to lower the interest rate or principal amount. 

My complaint is that they use deceptive practices to naive college students to keep them in debt.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 


XXXXXXXX XXXX XXXX. 
Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX