davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-04
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: General Motors Financial Company, Inc. (TN)

I XXXX XXXX, natural person and consumer, have an open dispute with GM Financial regarding an unlawful contract based on obvious TILA violations regarding the Finance charge. My account with GM Financial had an account balance of {$0.00} as of XX/XX/2023. On XX/XX/2023 GM Financial illegally tracked my vehicle, breaking my right to privacy, and Stole my Vehicle that I use for personal, family, and household needs. This theft was in retaliation to me enforcing my rights under the Truth In Lending Act. I have a current arbitration case with American Arbitration Association case # XXXX. GM Financial is in breach of contract by not adhering to the Arbitration clause in the contract. They are causing great injury to me and my family. It is my belief that GM Financials Attorney XXXX XXXX has advised them to take unlawful action against a consumer under the color of law. A violation of 18 USC 242.

GM Financial is guilty of tax fraud by reducing their tax liability through the inaccurate calculation and reporting of the Finance Charge associated with the contract in question. The Finance Charge on the contract attached is NOT the sum total of all charges payable as defined 15 USC 1605. They have also received tax credit for a profit loss write off and then unlawfully seized property that was not rightfully theirs.
Consumer complaint received 2023-09-06
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 (PA)

The credit bureaus stated that my account was properly investigated ( BANK OF AMERICA- Account number XXXX ). I dont understand how that could be true when I have found multiple inconsistencies. The balance updated date is inaccurate, the number of months is incorrect, the last pay date is inaccurate as well as the account type. All of these are inaccuracies and by law is grounds for removal, my rights under 15 USC 1681 Section 602 A. States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish an account without my written instructions. The credit bureaus have been negligent and have taken over 30 days to complete my investigation. They have also been closing the investigation without a response. They have recently closed my complaint stating that they could not find a credit file for me? How could that be true when they are reporting information on my credit file? Please remove this account off of my report due to negligence and inaccuracies!
Consumer complaint received 2023-09-04
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: Experian Information Solutions Inc. (GA)

I mailed out letters on XX/XX/XXXX to Experian, XXXX, and XXXX However its been over 30 days and the credit bureau failed to send investigation back. I received a stall letter on XX/XX/XXXX from XXXX and XXXX no further information regarding credit investigation. Failure to response letter mailed out to all bureaus XX/XX/XXXX. This investigation has been going on for months well beyond the 30 days. This is not right and violates my rights.

According to the law 15 U.S Code 1681i-Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2023-09-09
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

I called bank of america on XX/XX/XXXX XXXX to complaint about the overdraft on this date and i ask why i had a overdraft i was to because i did not have enough funds in my account to pay XXXX for my XXXX enrollment program so the bank paid it of so i said that the bank did not have my consent to pay the bill but i was told that i still owe the amount that was paid so the bank paid it. the amount of the overdraft is {$16.00} this is what i was told by phone on XXXX XXXX but on XX/XX/2023 i was told that amount was {$25.00}. 

Bank of america XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-24
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (RI)

I had two credit cards with Bank of America. One with a {$70000.00} credit limit and one with an {$11000.00} credit limit. I called them to request one consolidated card with a credit limit of {$81000.00}. 

They closed the smaller limit card and declined to increase larger account credit card limit by {$11000.00} - or at all. 

This is why people hate banks and why Senator XXXX XXXX helped create the CFPB. There was no increase in the credit exposure to BAC. They just chose to be very consumer unfriendly. 

If BAC doesn't correct this, I will I be taking this issue to the Rhode Island Attorney General Consumer Complaint division. The same people who had XXXX settle for $ XXXX.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Mercedes Benz Financial Services (ME)

On XX/XX/2024, Mercedes Benz XXXX in Maine ran my credit and used for another purpose other the one authorized and my score dropped significantly which impacts negatively my eligibilty for new credit. 

Information on my XXXX credit report MERCEDES BENZ OF XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX Requested On XX/XX/2024 Phone ( XXXX ) XXXX Inquiry Type Individual Permissible Purpose CREDIT TRANSACTION
Consumer complaint received 2022-12-22
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-09-09
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I contacted BoA several times via several forums, including cfpb to resolve the issue with XXXX. 

BoA now claims : " We requested, but didn't receive, information showing what you received is different than what you purchased '' Untrue : I sent very detailed letters on XX/XX/23, XX/XX/23, and XX/XX/23 via their message center portal and also via fax. 

They are very quick to close the claim - response received XX/XX/23, even though I was given until XX/XX/23 to respond. 

Again, XXXX cancelled my order ( proof attached ) and sent a letter that I need to get in touch with BoA ( proof attached ) to have the refund appear on my account. BoA keep refusing that.
Consumer complaint received 2023-09-04
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY ()

I am an XXXX XXXX and my wife and I were involved in a financial scam in XXXX. The scam was XXXX XXXX. 
XXXX was shut down and receivers were assigned. 
I am not sure of the times and dates, but it took years to get an outcome and to start being reimbursed. Wells Fargo Bank cheques were sent to me in XXXX periodically over a 4-5 year period. Initially cheques could be cashed but over time Banks in XXXX stopped cashing foreign cheques, so we were not able to be repaid the full amount owed. There is still {$1900.00} owed. 
Some time passed and I thought I the only way to get the money would be to endorse the cheques to a good friend who lives in upstate New York so she can cash the cheques and pay me. I endorsed the cheques and posted them. My friend went to her bank, which was XXXX XXXX XXXX XXXX and they had no problem accepting the endorsed cheques and cashed them immediately, putting the money in my friend 's account. 
Within a day or so The XXXX XXXX XXXXXXXX was not paid by Wells Fargo Bank and the money was withdrawn from my friend 's account. The reason was, according to Wells Fargo I need to be in the branch to allow endorsement. 
This makes no sense, if I was in a branch, I could cash the cheques myself and I would not need to endorse it. The reason a bank cheque is endorsable allows it to be used as payment or to be cashed by the endorsee. 
In XXXX and many other countries, the endorsement of cheques is perfectly acceptable and obviously accepted by XXXX XXXX XXXXXXXX. I live in XXXX and do not travel to the XXXX. There is not a Wells Fargo Bank in XXXX. I have phoned Wells Fargo multiple times and they were not flexible at all and offered no solution. 
( Wells Fargo case number # XXXX. - around XX/XX/22. ) The account holder, which is the receiver is no longer contactable and do not reply to emails. I think there are hundreds of people in this same situation. Wells Fargo could be withholding a large amount of money from people who were scammed.
Consumer complaint received 2023-09-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/2021, my auto loan was assigned to Chase Auto from XXXX XXXX XXXX. 
I became delienquent within the first 3 months because of financial hardship with covid & deceptive practices during the origination of the loan. 
I never received any information on my credit score or how my credit was ran or used.

I reached out to Chase Auto to try to adjust my payment plan or come up with a solution to avoid late charges and get current. 
I spent countless hours trying to seek a solution and the only answer I ever got was to make payment for forfeit the vehicle. 

Towards the end of the loan I was being threatened that if I missed 1 more payment, the vehicle would be repossessed. 

I ended up having to sell vehicle, but the entire loan origination, and management of the loan were predatory, as I am reviewing statements, none of the numbers are adding up, I was being double charged on late fees, or random fees, making it impossible to stay on top of monthly payments. 

After they received the loan payoff, Chase auto then took another XXXX $ out of my refund to pay for some random fee. 
The loan payoff was supposed to cover all remaining fees left to the account debited to the buyer. 

Chase Auto has done nothing but set me up to fail, and collect on it.
Consumer complaint received 2024-04-24
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (GA)

This company, LVNV FUNDING LLC, has called, emailed and mailed me about an alleged debt of {$1700.00}. I have never done business nor have I signed any contract with this company yet theyre reporting a false amount on my credit reports. I requested a debt of validation from this company about this alleged debt in which they failed to provide me with.
Consumer complaint received 2023-09-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: AmeriHome Mortgage Company, LLC (FL)

I purchased my home at XXXX XXXX XXXX, XXXX XXXX, FL XXXX on XX/XX/2023. I am being charged for PMI even though I am below the threshold to be charged for this. The appraised value for my home is {$320000.00} and I only financed {$240000.00}. Therefore, I am only at 76.48 % loan to value. I have asked for this to be removed, but the company is refusing. This is not right and needs to be fixed immediately.
Consumer complaint received 2022-12-20
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. (CA)

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the XXXX whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. 

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) any actual damages sustained by the consumer as a result of the failure; and ( XXXX ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of item that is UNKNOWN to me : XXXX XXXX XXXX XXXX XXXX  XXXX, CA, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX Open Date XX/XX/2019 balance : {$270.00}
Consumer complaint received 2022-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Over the past six months, I have mailed various letters to the credit bureaus in regard to the inaccurate information that is reported on my account. The letters sent were requested to validate the inaccurate account reported on my credit profile. I have asked the bureaus, TransUnion and XXXX, to verify the validity of this account, and have yet to receive competent evidence that I have any legal obligation by either bureau. I have provided verification letters, a copy of the FTC report that was filed, and letters sent to the creditor expressing how I was a victim of identity theft to the bureaus. The account that is inaccurately being reported is a XXXX XXXX credit card account that reflects 120-150 days past due on my credit profile by TransUnion and XXXX. The credit bureaus refuse to provide this evidence. Therefore is in violation of the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
Consumer complaint received 2023-09-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (TN)

I made an ACH payment on XX/XX/XXXX. The money came out of my account on XX/XX/XXXX via ACH. Wells Fargo has placed an arbitrary 15 day hold on the payment for no reason. ACH transfers are immediate.
Consumer complaint received 2023-04-13
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: EQUIFAX, INC. (NC)

I have tried numerous times to have this account updated correctly to reflect accurate payment information and balance. At this time the credit reporting agency refuses to follow the FCRA laws in making sure that this account is reporting accurately. I have become so frustrated with the blatant breaking of the law and violating of my rights that I voluntarily have given the car back to stop the inaccurate reporting of payments balance to my credit report. The credit reporting agency has shown callous disregard for any laws regarding consumers and their credit reports. I have attached the snippet of my credit report that I had pulled today that clearly shows the violation of the FCRA. I have disputed this account 6 times with them and complained to the FTC and yet the credit bureau refuses to comply to the law. Account : XXXX XXXX Account XXXX
Consumer complaint received 2023-09-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Skrill USA, Inc. (CT)

XXXXXXXX XXXX To whom it may concern XXXX I recently sent XXXX to my Fiance on XX/XX/23 she still hasn't received the money as of yet because they claimed she had to verify herself which she did numerous times but Skrill still would not release the funds so we decided to have them return my money back to me Skrill told her they would refund the money back to my account but never did. We have been waiting for my refund for too long so naturally I'm very upset about this kind of service. I have called many times trying to rectify the problem in a civil way so I wouldn't get stressed out from all of this. and was totally disrespected by one of your employees who hung up the phone on me twice and wouldn't let me explain myself so at this point I've had enough and demand a full refund back into my account. because of the disrespect my Fiance after she provided all the information and you never release the funds to her after weeks of this abuse we had it and will be reporting you and this scandalous company as a fraud return all of my money immediately as I am very unhappy with this type of business and have already contacted the XXXX XXXX XXXX about the rude service being hung up on twice by one of your disrespectful employees. If I don't receive my money back soon the next letter you will get from me will be from my attorney. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-06
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

In XXXX of this year had got a short term load with Bank of America. I notice a few weeks afterwards another account appeared on my online banking. At first, I thought it had it correlated to the loan, but shortly after I paid the load off it was still active and this probed me to investigate. Also, I had started to accrue maintenance fees ( {$4.00} monthly ). I paid them from XXXX to XXXX. Fast forward to XXXX, I have been trying to get this account to close, but none of the representatives I talk to can seem to do so. I've gone into one of the local branches and they couldn't help either. Plus, I asked for a refund for the maintenance fees, they agreed the account was fraudulent and were going to refund the maintenance fee. They only refunded me two months and they put that on the fraudulent account, which I can not access because its a credits only account. I talked to 8-10 representatives who only transfer my call around. It shouldn't take two months to close an account that I didn't open in the first place. Thanks for your assistance.