davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-28
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: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Subject : Urgent Request for Documentation - Account Number [ Your Account Number ] Dear Sir/Madam, I trust this letter finds you well. I am writing to address a matter concerning the alleged debt associated with my account, specifically referenced under account numbers [ Account Number 1 ] and [ Account Number 2 ] that are also NOT reporting on my consumer report. As a responsible consumer, I have consistently sought to understand the details surrounding these alleged debts.

Your recent correspondence indicates two accounts, one with a balance exceeding {$600.00}. My primary concern is to obtain accurate and substantiated information regarding these purported debts. To this end, I have repeatedly requested documentation, particularly Form 1099-C, which would serve as proof of the debt cancellation.

While I appreciate the complexities involved, the timely provision of Form 1099-C is crucial for transparency and compliance with tax regulations. However, my attempts to obtain this documentation have been met with responses indicating that there " isn't time for that. '' In light of your assertion that I owe these debts, I kindly insist on the prompt furnishing of the Form 1099-C for the specified accounts. In the event that providing this documentation proves challenging, I must emphasize that the accounts in question must be promptly deleted from my consumer report.

Failure to furnish Form 1099-C or to delete the accounts from my consumer report will leave me with no choice but to escalate this matter further. I will be compelled to contact the IRS to report potential fraudulent activity, as the absence of proper documentation raises concerns about the legitimacy of these alleged debts.

I trust we can resolve this matter amicably, and your cooperation in providing the necessary documentation will be greatly appreciated.

Thank you for your immediate attention to this request. I anticipate your prompt response. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-11-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (WA)

On XX/XX/XXXX I had filed a debit card dispute for a transaction of {$330.00} on my checking account from XXXX XXXX XXXX. My girlfriend and I had toured an apartment and ended up applying and paying a holding deposit the same day. We were told by the apartment representatives both verbally and through written documentation that if we applied the same day that we toured, both our application fees and holding deposit would be refunded. We ended up finding out that the apartment was misleading us regarding information prior to signing a lease. We told the apartment company that we were no longer interested in the apartment and would like a refund for the application and holding fees as previously agreed upon. I provided all the documented email conversations between myself and the company, which included the written offer to refund all fees if I applied the same day. Navy Federal had temporarily reversed the charge and added a credit in my account until the investigation was completed. On XX/XX/XXXX, Navy Federal sided with the company because " The fee you are trying to dispute is non-refundable, which was disclosed to you at the time of purchase. '' In the supporting documents I provided, the email chain goes over how we were intentionally mislead to believe the charges would be refunded. The representatives didn't provide any disclosures or restrictions that would limit the offer presented to us. It wasn't until we had already paid our application fees and then requested a refund that they told us that we had to move into the apartment to receive the {$330.00} back and that instead of the refund promised, it would be a credit to our account at a later date. This company decided to change the conditions of the special offered to us after we had already paid and Navy Federal took the side of the misleading company without any documentation of why. On XX/XX/XXXX, I requested an appeal on the dispute outcome and received what appeared to be an automated response from Navy Federals Debit Card Dispute Resolution center that provided me with no additional information to understand their decision. I responded on XX/XX/XXXX and haven't heard a response from Navy Federal since. This charge was textbook definition Fraud and Navy Federal is allowing it to happen.
Consumer complaint received 2023-11-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC. (NH)

On XX/XX/2023 I used a ATM in New York. I called Citizens Bank to raise my ATM limit and with a Citizens employee on the phone with me the entire time, I tried to make 3 transactions for {$500.00} each. NO money came out of that ATM. Citizens took the {$1500.00} plus fees out of my account. The Citizens employee was aware of this and filed a dispute. About two weeks later the money was returned to my account. XX/XX/2023 Citizens sent a letter stating that there was no issue at the ATM and took the {$1500.00} back out of my account causing overdraft. My bills are being returned and my credit score has dropped because of this. Citizens then said they would report me to check systems because my account has been overdrawn. Ive called them multiple times requesting that they correct their mistake only to have the issue not corrected. Citizens has sent me letters saying their decision stands. Thats all they say with no explanation. Ive even asked the employees at Citizens to show me where they got their decision from and not one person would answer my question.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

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.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Service International Corp (IL)

CREDIT SERVICE INTERNATIONAL XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX Acct # XXXX Please provide a breakdown of fees including any collection costs and medical charges this company showed you to prove it was me. 
Provide a copy of my signature with the provider of service to release my medical information Please send this information to my address listed above and accept this letter, as my formal reinvestigation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service.
Consumer complaint received 2023-11-28
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: M&T BANK CORPORATION (NY)

Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to seek assistance in resolving an issue related to my mortgage account with this bank. During the COVID-19 pandemic, I faced significant financial hardship, leading me to request a modification of my payment plan. Unfortunately, despite multiple attempts to contact the bank, I did not receive any response, leaving me unable to afford the high payments. 

Post-pandemic, the bank finally responded, and we were able to establish a new payment plan. Since then, I have consistently made on-time payments without any further late instances. However, I have noticed that the late payments incurred during the pandemic have not been removed from my credit report. 

While I understand the importance of accurate credit reporting, I am currently unable to provide supporting documentation due to the circumstances. I kindly request your assistance in reviewing this matter and facilitating the removal of the late payments from my credit report, considering the extenuating circumstances surrounding the COVID-19 pandemic and the subsequent resolution with the bank. 

I appreciate your understanding of the challenges faced during this unprecedented time and your assistance in rectifying this matter. If there is any additional information required or if you have further questions, please do not hesitate to contact me at [ Your Phone Number ] or [ Your Email Address ]. 

Thank you for your time and consideration.
Consumer complaint received 2023-11-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY (LA)

My Amex savings account was debited numerous times My phone was stolen i have not had access to my login in years. Up until today my address was never updated Amex has a zero fraud policy I asked about the account number and the guy who was doing his job informed me there are over 500 XXXX XXXX in the system At one point he couldnt even see the second account which is the first account that was closed years ago. 

I just want my life back my account was debited numerous times XXXX dollars for at 5 or six months without my knowledge or permission For a suspected fraudulent loan open without my permission Its almost like the person put it on automatic payments I have a police report indicating that the loan was fraudulent and my account was used without my permission to make payments I have a police report and ftc report uploaded to XXXX I spoke to a XXXX today for about a hour to resolve this matter The attachments are police reports of the fraudulent loan and police reports of cyber attacks and my state of lousiana declaring state of emergency since 2019 to present because of motor vehicle records which house drivers license and indentifications and tax information along with social security numbers and hospitals along with other government agencies being hacked
Consumer complaint received 2018-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (NY)

I tried using my credit card and it they placed a block. When I tried to call and verify my identity they keeping telling they cant do anything but to send a letter to my address which will take 5-7 days. I need to make a purchase now. They are not doing anything to verify my identity. This is the worst experience ever, I have other credit cards with other companies and this process is a breeze. I am so frustrated with them.
Consumer complaint received 2023-09-18
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 (TX)

I've asked PayPal to delete my account through the customer portal. And the account was frozen despite having very little to no funds. The only way to unfreeze the account was to speak to a PayPal customer representative. The customer representative stated that an identification such as Driver License or a Passport is required to delete the account. I tried to reason with the representative stating that I had an authorized phone number and email address and that the account did not have much funds if any at all. But the representative still insisted on a valid identification and making it as difficult as possible to delete the account. 

The account has never been used maliciously in the past, so arbitrarily freezing the account and requiring an identification such as a Driver License and Passport to continue using it violates the end users privacy. An identification should not be required to close an account holding less than {$10.00} and has no pending transactions. 

This is clearly an attempt by PayPal to bring in and retain end users on the platform. Something similar occurred with XXXX XXXX creating fake credit card without the end users consent. And XXXX XXXX made it very difficult for the end user to remove those credit cards off their accounts. However, they were eventually prosecuted and fined by the government. I hope that you handle this matter accordingly based off past precedents.
Consumer complaint received 2023-11-13
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. (AK)

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.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Bank of America sent me a letter stating that if I do not provide my occupation and source of income they are going to close my account. My understanding is that that information is voluntary and not mandatory. I spoke to a B of A rep who told me my account would in fact be closed if I did not comply and I have the letter to back that up. I pay my bills on time and only owe a small amount of money at the time. Is this true?
Consumer complaint received 2024-01-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (WA)

On XX/XX/XXXX, I disputed a charge for {$620.00} that occurred on XX/XX/XXXX because I could not resolve the issue with the company. I sent Chime all info. The dispute was denied on XX/XX/XXXXXXXX  with no reason given. Further research has shown that Chime often denies disputes and doesn't investigate at all.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: M&T BANK CORPORATION (MD)

I took out a vehicle loan from M & T Bank for a XXXX  XXXX XXXX in XXXX of XXXX  and finished paying the loan in XXXX of XXXX. I remember at a point seeing that I was marked late for the final payment I made in person, which I reached out to the bank about. I was advised that it was an error and no payments were late. On my XXXX, the account is marked as PAID/CLOSED/NEVER LATE but when I check XXXX & XXXX, I see that the same payment I complained about in XXXX is still present on my report and calculated as a negative mark. Its confusing because I dont see it on all Bureaus and I was advised that I had no late payment.
Consumer complaint received 2023-07-06
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: Experian Information Solutions Inc. (GA)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (KY)

I have been forced not to use my credit solely by unethical incompetence adults that handles my credit report at Experian none of my information have been accurate over the last 10 plus years this is unfair unacceptable I have high interest rate on all plus 9 credit cards I have based off this company actions only that failed to keep my information updated within a timely manner month to month as the law requires Dont listen to the lies I asked that this company is fined and flagged with this complaint I want the person that handled all my disputes fired have been in need of a Car since XX/XX/XXXX of XXXX. 

The screenshot are taken today from the app as the the old date is clearly not updated month to month as the law requires The fair credit at law has been broken If you check, my recent inquiries for updated credit, it has been denied based off of Experian credit report and Experian credit report only
Consumer complaint received 2023-11-28
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: SANTANDER HOLDINGS USA, INC. (PA)

The company sent me an email that my payment was successful. When I checked my credit report I saw that I was late on car payments and my credit took a major hit. This affected me financially and mentally. I reached out and pointed out this was a mistake with their system. I have never missed a payment, never got a letter email, or call about the late payment error. Chrysler Capital said there was nothing they could do and I could call the credit bureaus to get information removed.
Consumer complaint received 2023-11-28
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TrueAccord Corp. (PA)

I received an unsolicited email from someone named XXXX XXXX saying that they were from True Accord. I did not recognize anything about what they claim was owed. There was an address listed for them so I drafted a letter requesting specifics of this alleged debt and sent it via USPS certified mail on XX/XX/. The tracking informed me that the letter was received on XX/XX/. I have not received anything in response via mail as was requested yet I am still being contacted by this individual, the last communication being what has prompted this complaint. The email address sending these email is XXXX. I feel the need to bring this to someones attention to get this to stop. If they are breaking some type of law, I would like to know that and whether or not damages can be pursued. Thank you for your time
Consumer complaint received 2023-11-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Selene Holdings LLC (SD)

On XX/XX/ a payment was made to Selene Finance. On XX/XX/ I received a statement from Selene Finance dated XX/XX/23. It clearly states that a full payment is sitting in unapplied funds dated XX/XX/ If a full payment is sitting in unapplied funds when the statement was generated on XX/XX/ it Clearly states it was not being applied even 9 days later.
Consumer complaint received 2023-11-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (IN)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) It also states a consumer reporting agency can not furnish an account without written instructions under 15 USCS 166b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2018-05-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

We have found ourselves in a unfair mortgage that adds interest on the back of the loan. We owe more than the property is worth. We have recently been sent a city assessment that is XXXX less than the loan. We went to our local BOA loan officer and told him we wanted to refinance the loan with the current worth of the property. He said we needed to contact the bureau and contact the Attorney General 's office in order to refinance. We are asking for a loan modification with this property. We have paid Bank of America for 10 years and we owe more now than when we started further more the market has reset the worth of the property with a THREE year assessment that is XXXX LESS than our loan. We need immediate action on this loan. We have been excellent payers and have NOT been late on our payments but when this adjustable loan resets with current figures we will NOT be able to make the payments. Bank of America has made us go this route instead of helping us rest the loan to the real value of the property!
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Hello, this account has been disputed to the reporting agency several times and with no avail. The agency has not properly investigated the negative item. Had a proper investigation occurred, the company would have found that this is a cancelled debt with a 1099-C, that has already been reconciled. Also the date showing is incorrect. This account should be immediately deleted.