davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-30
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I have been a Bank of America for a few years. Today I received an email stating my Savings account which is linked to my E-Checking count to avoid maintenance fees is no longer applicable. The email had the audacity to state the " waiver '' I have been receiving is being removed. First and foremost BOM has not been granting me a special waiver. The maintenance fee has not been charged due to the fact it is linked with my E-Checking which I was advised to do when opening account and agreed upon. Secondly the email then advises I must open another type checking account to continue not being charged the maintenance fee. Bare in mind the minimum for these accounts are about {$20000.00} as is the Preferred Rewards option. Surely there should be a grandfather option. Nothing was advised when opening this account that BOM would come after the fact and force other options after agreeing to link E-checking and savings for no maintenance fee.Its principle and not a good way to do business. I bank at XXXX other establishments as well and never had this issue.I called customer service which apparently no one is working. As I was on hold an unacceptable amount of time over 70 mins being disconnected or no one to answer and had to head back to medical appointment. Constant automated message about call volume.I request BOM extend a waiver for a year that was offered to others in this situation by the XXXX Customer Care Resolution so that I have time to see what other options become available. I am a Senior with medical issues and limited income. 

Name on Account ( s ) : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, VA XXXX Phone : # XXXX Accounts : Checking, Savings Email : XXXXXXXXXXXX or XXXXXXXXXXXX
Consumer complaint received 2024-05-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (PA)

Firstmark Services has been illegally collecting on a debt that was obtained through predatory and illegal means. Multiple Attorney General 's have found the respective owner 's of the XXXX XXXX acted illegally, therefore costing the school it's accreditation, full closure, and Department of Education and numerous Attorney General findings of pervasive and predatory fraud that was both rampant and detrimental to students dreams ( which were crushed ). The burden of proof for Discharge for the " Note '' has been met. Not only has the loan been outstanding since XXXX, it has created cyclical and long-term debt-bondage from an invalid debt.

The validity of the contract itself, is in question as it is unconscionable, and deprives students the basic tenants of Law afforded by The Constitution. I.E., I am stipulating that the contract is both invalid and negligent as it was obtained via manipulation, deceit, and illegal predatory tactics. I am requesting the full discharge of said loan, including the reimbursement of any and all amounts paid, including interest paid/earned. Clauses in numerous courts, including bankruptcy and contractual as the " Note '' itself predatory debt bondage as the school has closed since XXXX, which is same year that accreditation was lost, yet Firstmark Services continued to fraudulently collect on a debt that was known to be illegal in nature and obtained illegally. 

The below is a quote from the President of the United States of America regarding the XXXX XXXX, with the latter consisting of Education Department findings. 

This institution falsified data, knowingly misled students, and cheated borrowers into taking on mountains of debt without leading to promising career prospects at the end of their studies, XXXX XXXX XXXX said in a statement. 

Based on an ED finding that The XXXX XXXX made pervasive and widespread substantial misrepresentations that borrowers relied on to their detriment. This conduct affected students who enrolled at the Art Institutes from XXXX XXXX, XXXX through XXXX XXXX, XXXX, when the campuses were sold to XXXX XXXX XXXX XXXX, XXXX.
Consumer complaint received 2022-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

n accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 2017-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Equifax is reporting 2 XXXX XXXX accounts that are showing XXXX accounts that are negative ) yet it shows paid as agreed. First off they are reporting 2 XXXX XXXX cards with 2 different account numbers with the same credit limit. This is a duplicate. There should not be 2 XXXX XXXX accounts reporting as negative. My other issue is if it stating pays as agreed and account is current then this account should be under accounts that are in good standing. Having this wrong information reporting is affecting my creditworthiness.
Consumer complaint received 2023-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I previously tried to resolve this issue, be requesting information to validate this claim. The information i received in response to this was that they claims were " valid '' and no further action would be taken. In light of said response based on my first initial letters, these must be removed or i will proceed to take legal action. I am not responsible for these debts and would not like my credit profile to reflect that.
Consumer complaint received 2019-02-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Credit Adjustments Inc (WA)

I have been trying to reach Credit Adjustments Inc. by telephone for days. I dial the number and get a recording that says all representatives are busy handling other calls, please hold for the next available representative. After being on hold for 5 minutes, it goes to a busy signal or voicemail. I have left messages, and they won't return my call. I have called every 5 minutes, for hours at a time. Somehow, they know who is calling and are ignoring me ; and, are just waiting for my Social Security to be garnished in XX/XX/XXXX.
Consumer complaint received 2024-03-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXX 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 UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2023-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CL Holdings LLC (OR)

Credit card account with XXXX was paid in full and closed XX/XX/2022. The company sent account to collections company JEFFERSON CAPITAL SYSTEMS. I have submitted documents showing proof of payment and still receiveing calls and letters attempting to collect on a paid and closed account.
Consumer complaint received 2023-07-21
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 (TX)

XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act XXXXXXXX XXXX XXXX XXXX XXXX XXXX DISCOVER BANKXXXX XXXX XXXX XXXX has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 finish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account underman open-end consumer credit plan as late for any purpose. 

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act
Consumer complaint received 2024-03-25
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. (TX)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-02-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (SC)

Wells Fargo placed a hold of over a week on deposited funds from a business check. They said the hold is due to the check writer 's signature line. The first person I talked with said it was due to my signature and that the first letter of my last name was separate from the rest of my name. She was then rude and told me since I was on the phone there was no way she could verify it was really me and told me no one could help me out. I asked to talk with her manager. He told me he was a customer advocate, so not her manager. He investigated the signature line and said there was nothing wrong with my signature but that it was due to the signature of the check writer and the lack of a business name on the check. He then transferred me to a Wells Fargo Executive after I insisted on speaking to someone who could help me out. He tried saying my time was valuable and he did not want to waste my time, trying to avoid transferring me. XXXX, the executive spoke with me and connected me to a department that was supposed to help release the hold. XXXX in that department told me that they needed a notarized letter from the company to prove that they wrote the check and signed the check to me. My account is now overdrafting due to the hold on the deposit to my account and I am unable to provide needed items for my family.
Consumer complaint received 2023-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (ME)

I have made two recent payments to L.L. Bean Mastercard. According to my bank and my online L.L. Bean account they have cleared. I have also received text messages from L.L. Bean that the payments have posted to my account. Yet I am unable to use my card and my bank account is continually being debited for returned check fees. My bank balance is sufficient to cover the payments I made, and again the payments have cleared with my bank. I have spoken with L.L. Bean several times, and have repeatedly been told the payments and access to my card will release in one week. It has already been one week, and now I am being told it will be another week. Meanwhile other payments scheduled to be made from my card can not go through. There is no reason for this delay, as according to my bank records and L.L. Bean 's own records, the payments have already cleared
Consumer complaint received 2022-11-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

Bank of America continues to cancel my wire transfers when I have the funds available for transfer the receiving institution verifies the funds then bank of america cancels the transaction this has happened repeadately in the past 27 days when I try to get resolution through the bank all I get is the run around from this dept to that dept all the time my money is stuck in the account and I can not access it. I can not get them to mail me a check they just tap dance around and pass me off for hours on the phone
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. ()

In accordance with the fair credit reporting act this creditor has violated my rights! 
Under act 15 U.S.C. 1681 section 602 says " I have the right to privacy. '' 15 U.S.C. 1681 section 604 A section 2 it also states " A consumer reporting angency can not refurnish an account without my written instructions under 15 U.S.C. 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2023-07-21
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 (NC)

On XX/XX/2023, {$1000.00} was transferred from my Chime account $ XXXX to the Chime account $ XXXX without my authorization , via the pay anyone feature. I filed a dispute with Chime over the stolen funds and the claim was initially denied. I filed a police report, an FBI report, and a XXXX complaint, and Chime re-opened the dispute. I want the funds transferred back into my account.
Consumer complaint received 2024-06-06
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I signed up for a XXXX credit card through Capital One on XX/XX/XXXX. Immediately after opening the account, I wanted to transfer rewards points from Capital One to XXXX XXXX. However, when trying to " Convert Rewards '', I am stopped by a two factor authentication ( 2FA ) page that I can not get past. Two factor authentication is working everywhere within Captial One, except this one location.

Specifically, this XXXX page asks me to type in a phone number where I'd like to receive the code, and then says that the phone number can not be associated with my name. When I click to try a different method, it suggests calling customer support. 

I have called Capital One several times throughout the past XXXX weeks. Twice on XX/XX/XXXX, once on XX/XX/XXXX, once on XX/XX/XXXX, and 3 times on XXXX. In the process, I have had a case created and subsequently closed. The resolution I was given in the case was that they " thanked me and apologized that they don't have a timeline for a fix ''.

I have been told by many representatives to keep trying every day, but as I see many people online with the same problem, I don't have confidence that my issue will be fixed.
Consumer complaint received 2022-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have wrote numerous letters to XXXX, XXXX, and Trans union requesting that they remove the fraud alert that was placed on my personal credit report XX/XX/2022. As of today 's date The Fraud alert still remains active on my profiles affecting my ability to obtain suitable housing, loans, assistance, and any other means to pursuit happiness of life.
Consumer complaint received 2023-07-21
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCF Intermediate Holdings LLC (MA)

Speedy Cash from Texas Continuously contacts me about t debt owed by my brother, I have asked them to stop, and they just say, it was a number they were given, I did agree to pass on the message about the debt, and now I get text messages everyday about my brothers payment not going through, and the need to pay the bill. I have asked to opt out of the messages, and nothing has changed. It has been over a month now.
Consumer complaint received 2023-07-21
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (NC)

I was approved for the XXXX XXXX XXXX XXXX XXXX for my property. I had submitted the letter displaying the exemption to Lakeview Loans Subserviced by XXXX XXXX. Lakeview Loans told me that they couldn't verify my exemption even though i had sent the actual property tax bill displaying the exemption. They also informed me that they check the county tax website and it displayed nothing. They kept telling me that they need more written correspondance. When i contacted the local tax office they told me that they don't put exemption information on their website and that they don't issue award letters concerning tax exemptions, they only put the exemption amount on the property tax letter. The last step i took was, I had informed Lakeview Loans that they can call my local tax office to verify the information because they won't be able to verify anything via the county website. I have both the letter from the Department of Veteran Affairs verifying that im eligible for property tax relief and i have the actual letter from the county tax office showing my exemption so im not sure why Lakeview Loans is still rejecting it.
Consumer complaint received 2023-07-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Opportunity Financial, LLC (OH)

This company received my loan application on Sunday XX/XX/XXXX and said today that the application was expired. 

All of the required documents were sent in.

The representative over the phone informed me that nothing was wrong with the application. It just expired. They said that I have an option to reapply in 24 hours.

My bank information was verified, and I signed a 20 payment plan contract with payment dates, payment terms, and autopay.

The loan amount requested for {$2000.00}, was qualified and the contract stated terms and conditions of 20 payment arrangements with 160 % APR.

Although I signed, I did not receive the loan and my application expired. 

Contracts are legally binding documents that do not expire.
Consumer complaint received 2017-02-01
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (MD)

My father open a certificate of deposit with XXXX XX/XX/XXXX naming me as the POD, I have rec 'd interest earning statements up until XX/XX/XXXX nothing after that date. XXXX was acquired by PNC Bank in XX/XX/XXXX. My father passed in XX/XX/XXXX. I put all of his personal papers away. recently i was cleaning and came across this paper work and started my inquiry with PNC bank only to be told that no records exist and I should check with the XXXX unclaimed property office and XXXX office. I called both offices with no results. I furthered my research by visiting a branch of PNC bank. my inquiry was taken and forwarded to the Regional branch Manager, who was to contact me regarding this account. That was on XX/XX/XXXX. I have yet to receive any communication. my calls back to the branch I visited only get the same response. The Mgr. will call you. No response.
Consumer complaint received 2022-09-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (OH)

We have owned our home for 27 years and are now getting divorced and need to sell the house. Selene Finance LP of XXXX purchased the mortgage from XXXXXXXX XXXX years ago and has never been helpful or responsive. I have engaged a realtor and we know we may have to go with a short sell. Note that the house is beautiful and in a great neighborhood in an eastern suburb of XXXX. The roof will need replacement and some other minor fixes due to water damage. We are also behind in payments as I am now on SSD due to XXXX and another health issue... but we made we saved the house from foreclosure for all those years and when I commuted to XXXX to work for XXXX XXXX. 

Per Selene 's directions, I have advised them of intent to sell and likely short sale on a three-way conference call with their reps and my realtor. I then completed their 10-page form to transfer authorization BY FAX. That was more than 6 weeks ago and after more than two dozen phone calls, I was informed the authorization was approved and I was going to receive the necessary document BY MAIL. Now 3-4 weeks later, no document plus interest rates went up, undoubtedly hampering our profit potential ( and Selene 's for that matter ). 

I call daily and deal with incompetence. When promised that a Supervisor will call me, no one ever does. I am filing this complaint with the CFPB and will now also contact the XXXX, my county commissioner and my state senator. 

I am hoping you can help me and my family as we've gone through much in recent years and need to resolve all this. I am a responsible professional ( semi-retired now and consulting, and also a XXXX XXXX  ), father of XXXX XXXX daughters and politically active in local issues. 

Please contact me at XXXX or at XXXX. 

Thank you in advance for your anticipated help, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2023-07-21
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: AMERICAN EXPRESS COMPANY (IL)

I applied for a XXXX XXXX line of credit my business name is XXXX XXXX XXXX XXXX, business address XXXX XXXX XXXX XXXX XXXX Illinois XXXX. XXXXIs the supervisor, I received a letter of denial that stated business address could not be identified. But they where asking me for my personal address information to upload in there system I sent in 2 form of my personal address bills one from XXXX and one from XXXX and they denied. I also connected my business bank accounts to there portal to validate my business They havent given me any good reason why my application was rejected only my business address is not identified which is false my business address is registered with government officials, banks, etc, I also have a personal account with American Express, they were very rude and talk aggressive over the phone to a customer also a client.