davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (AL)

I deposited a check on XX/XX/2022. Check was for {$10000.00}. It was from a vehicle sale. It was deposited by a teller at the branch. I received an email and a letter in the mail stating the funds be available on XX/XX/2022. Well on XX/XX/2022 I received notification my account was locked out. I had to go to the branch. I did go in. Talked with a manager there, my account was locked out bc regions couldnt get in touch with XXXXXXXX XXXX to verify the account. The manager called XXXX XXXX  and couldnt get anyone to help. We called the guy to get him to verify the funds, to no avail. So now Im sitting here with {$13000.00} in my account and I cant touch any of my money nor can I use my debit card. I called corporate office and all they say is I have to go back to the branch and let them handle it. They refused to allow me to speak to management or corporate office president. So now Im sitting here without a loaf of bread to feed my son! Nobody can help me. I have spent 6 hours in the phone or in the office trying to fix something XXXX shouldnt have to be doing. Its not my job to verify a check. Thats why I have a bank account.
Consumer complaint received 2021-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY (GA)

I sent letters to all 3 credit bureaus including creditors about inquries that is on my credit report that I never applied for and I need them immediately removed from my credit report.
Consumer complaint received 2022-04-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (TX)

I am the XXXX XXXX XXXX XXXX XXXX XXXX owned by a long time client. I was in a series of emails regarding depositing funds and requested the account number to make a deposit to a partner on XX/XX/2022. Someone posing as my client and his partner interposed and emailed instructing me to deposit into an account in the name of XXXX XXXX, account number XXXX at PNC Bank. All the information and emails looked legitimate. The check was drawn on the XXXX XXXX XXXX. I filed a claim at the XXXX XXXX XXXX as instructed by the bank. PNC has refused to accept a complaint from me or my lawyer. I have filed with the XXXX Police, the FBI and the FTC but have not heard back. I have been informed by lawyers that PNC was an instrument in the fraud and may have been in violation of the Money Laundering Control Act " Know Your Customer '' policy.
Consumer complaint received 2022-05-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: REGIONS FINANCIAL CORPORATION (FL)

I opened a Regions checking account around XXXX last year, during the process I mentioned the personal banker who was assisting me in opening the account specifically if I would qualify for the {$200.00} incentive plus the {$50.00} referral bonus from being referred with my Individual Tax Payer Identification Number aka ITIN. She proceeded to ask her manager, she came back and said YES! You will qualify for the incentives plus the referral bonus with an ITIN. 
Months passed and I noticed under their OfferTracker website all the requirements were met except one saying the following : Valid TAX ID Required : NO I called the bank and asked why my bonus hasn't posted yet after meeting all the requirements, after multiple attempts with different representatives/managers they kept saying I did not qualify solely for the reason of not having Social Security Number ( SSN ) and that the system can not generate a form 1099. 

What I have explained to them at the branch, during a phone call, and thru social media : 1 ) When I opened the account the banker told me I will qualify for those incentives with my ITIN. 
2 ) A form 1099 can be generated using my ITIN, and that is the actual purpose of having an ITIN, to be able to report taxes in the US. 
3 ) OfferTracker website indicates " Valid TAX ID Required '' and an ITIN or SSN are both VALID TAX ID. 
4 ) No description about saying SSN is required in the fine print for both the {$200.00} Incentive or {$50.00} rewards gift card for the referral program. 

I have not given any solution to this, and also the Regions bank are not willing to help.
Consumer complaint received 2022-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

I received letter from Chase dated XXXX XXXX, XXXX stating " We decided to close your accounts because of unexpected activity on this or another Chase account. '' I called Chase and talked to various customer service representatives, but I never received any more information beyond the above statement. 

I would appreciate if Chase could provide more detailed explanation for closing all my Chase accounts. 

Regards,
Consumer complaint received 2022-05-24
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. (MI)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under open an end consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-24
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)

15 u.c.s 1681 section 602 a. states I have the right to privacy 15 u.c.s.1681 section 604 a section 2 ; it also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXXAccount number XXXXXXXX XXXX XXXX XXXXXXXX  XXXX INQUIRIES XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2019-02-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Caller is identified by 'XXXX. XXXX ' as XXXX XXXX. They have been calling me for months, several times a day. Never leave a message, when I answer, they hang up. Have no idea why they call me since I have no debts and haven't for over 10 years. Apparently, according to XXXX . XXXX complaints submitted, they do this to numerous other people who also have no idea why they are targeted. They always call from a different number, usually from XXXX florida, but not always. Calls are really a nuisance. Please help!!
Consumer complaint received 2022-05-24
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)

We have sent dispute letters beginning XXXX XXXX. We sent registered letters to Transunion and XXXX credit bureaus. Within thirty days the credit bureaus are supposed to report that the account is disputed. Secondly the incorrect information, The date last active is documented on the copy of the credit report I provided.
Consumer complaint received 2022-05-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc. (FL)

I have written several letters to Experian to review my record due to a debt that does not belong to me, and many lateness that are causing negative impact on my credit. 
XXXX XXXX XXXX the status of the account is closed and charged off the company continues to report on my report. in fact according to FCA any account that has been closed there should be any activities in such account. That is a violation of my right according to the FCA. 

XXXX XXXX  XXXX 30 days late is not accurate XXXX XXXX XXXXXXXX company is reporting that I have been late for 30 days and 60 days at two different occasion the information re [ porting on my record is not accurate and is a violation of my right according to FCA these items should be annulled immediately.
Consumer complaint received 2023-02-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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
Consumer complaint received 2021-12-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (MI)

Notice and Demand for Payment Notice to Agent is notice to principle. Notice to principle is notice to agent. This Notice and Demand for Payment is to recoup the exact value of the illegally collected debt in the amount of {$4900.00}, interest rate is set at 24.99 %, as of the date of this notice currently on the Social Security # XXXX personal credit reports. A Notice of XXXX will be placed against the property of the corporations and persons involved with the illegal collection of this debt. 30 days from receipt of this notice will be allowed for cure. Prior settlement offers are null and void. 

It is accepted that Creditor, by not validating the alleged debt, are the illegal collectors of this debt and that their assets and the assets of the employees, owners and partners of these corporations are severally, individually and personally liable for this amount in this Notice and Demand for Payment. Though validation of the debt was attempted through mail, no validation occurred and the debt is now being collected illegally. 

This injury and harm to the person will be offset in the exact amount illegally collected as compensatory damages. To get a Satisfaction of XXXX and dismissal of current and future court actions, simply mark the credit reports of the Client person as paid in full and on time. 

Revelation 9:11 ( KJV ) 11 And they had a king over them, which is the angel of the bottomless pit, whose name in the Hebrew tongue is Abaddon, but in the Greek tongue hath his name Apollyon.

Psalm 23:4 ( KJV ) 4 Yea, though I walk through the valley of the shadow of death, I will fear no evil : for thou art with me ; thy rod and thy staff they comfort me. 

By : XXXX XXXX
Consumer complaint received 2022-05-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear Transunion, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. XXXX XXXX XXXX, XXXX and XXXX. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. As proof of my identity, I have included copies of my birth certificate, Social Security card, passport, and drivers license. I have also included a copy of my credit report with the account I am requesting to have verified. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX, XXXX
Consumer complaint received 2019-11-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC (CA)

I purchased a XXXX XXXX on XX/XX/XXXX from a XXXX dealer and financed it through BMW Financial Services. My first payment of {$670.00} isn't due until XX/XX/19. On XX/XX/2019 I made my first payment of {$750.00} expecting the extra amount to go towards principal reduction. Instead, the extra amount of my payment was showing as a credit towards my next payment. I called BMW for  an explanation and she said that it does go towards my principal reduction. I don't understand how it will go towards my principal reduction AND be a credit towards my next payment ... that doesn't make sense they would give me a double credit for that amount. That doesn't help pay down the loan and reduce my interest cost, but it helps BMW though. 
On XX/XX/19, ( first payment not yet due but still made ), I made an additional " other '' payment ( from the BMW drop down payment menu ) of {$540.00}. After this principal reduction posted, I noticed that {$470.00} went towards principal reduction but they applied {$69.00} towards INTEREST. I called again and they told me that interest still accrues daily on the loan and that was the charge. The daily interest is part of the monthly payment which I already pre-paid. So now BMW is charging me interest for the month with my regular monthly payments AND charging it AGAIN when I make a principal reduction. I don't understand how I can pay off my loan sooner and save interest. If I continue to pay extra on my loan the way BMW is charging me, I will wind up making all my payments with interest plus additional interest on my extra principal reduction payments. I'm being penalized for trying to reduce my interest cost. How can they charge interest for the principal reduction when the next loan payment isn't due until the end of XXXX now. 
As a result of this unfair practice, I have started the process of refinancing this XXXX  loan with my credit union that I have financed vehicles with in the past ( and applies my full principal reductions the correct way ). However, with this new loan last month from BMW, and the credit inquiry from BMW and with my trade in being paid off, my credit score has dropped enough where my interest rate on my new refinance loan will be 4.58 % which is higher that my 3.99 % rate with BMW. It is not fair that I have to refinance to get away from BMW 's unfair lending and pay a higher rate because of THEIR actions. This isn't right. I didn't do anything wrong.
Consumer complaint received 2022-05-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear Transunion, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. XXXX XXXX XXXX, XXXX and XXXX. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. As proof of my identity, I have included copies of my birth certificate, Social Security card, passport, and drivers license. I have also included a copy of my credit report with the account I am requesting to have verified. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX
Consumer complaint received 2022-05-24
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. (FL)

Dear Experian, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. XXXX XXXX XXXX, XXXX and XXXX. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. As proof of my identity, I have included copies of my birth certificate, Social Security card, passport, and drivers license. I have also included a copy of my credit report with the account I am requesting to have verified. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX
Consumer complaint received 2022-05-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear XXXX XXXX XXXX, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. XXXX XXXX XXXX, XXXX and XXXX. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. As proof of my identity, I have included copies of my birth certificate, Social Security card, passport, and drivers license. I have also included a copy of my credit report with the account I am requesting to have verified. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX
Consumer complaint received 2022-05-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXX XXXX XXXX XXXX violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 

They also violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ) : The law clearly states if item are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.
Consumer complaint received 2021-11-21
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Century Credit & Collections, LLC (CA)

The agency and XXXX XXXX has repeatedly spoof called my phone and my work phones. She does not identify herself as a bill collector or that the call is being recorded. She also does not mention that this is to collect a debt but rather first asks if shes speaking with me by name. 

She will also leave harassing voicemails on all phones, and in the last conversation was very harassing, unprofessional, and automatically reset the debt date.
Consumer complaint received 2019-11-23
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: AES/PHEAA (CT)

XXXX  do not want to delete my student loans that were rehab originally I have 6 student loan that went into default but I rehab those loans but the original creditor FedLoan reopened 6 more student loans basically converted 6 students loans in 12 student loans when they should be 6 ..I need the 6 that are closed to be delete because they are the same as the open loans. In XX/XX/2019 I made a depute but no results..
Consumer complaint received 2022-05-24
Product: Credit card or prepaid 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 (GA)

Charge on statement for transaction dated XX/XX/XXXX posting XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX REF # XXXX ACCT # ENDING XXXX ( {$210.00} charge ) XX/XX/XXXX - called BOA fraud department to report unknown/unauthorized charge listed above. Was told by agent that it was an online purchase, my card was cancelled, new account issued, and temporary credit issued. 

XX/XX/XXXX - received letter stating, " We're happy to let you know a credit ( s ) has been placed on your account that includes any interest charges and fees that you were charged. You don't have to do anything on your end -you 'll see the credit ( s ) on your monthly statement. We appreciate your patience and are happy we could resolve this for you. '' XX/XX/XXXX - received letter stating credit was reversed and " the merchant provided documentation confirming you received the merchandise or service. '' Upon calling BOA fraud department, I was told that after investigation, this was a physical purchase, and another request for investigation was done with the same end result. This was in no way a physical purchase as I never lost my card, the charger is not a physical merchant after conducting my own research. 

I was told the only option I had was to call this charger myself. I was given XXXX to call and after calling a total of 15 times between XXXX, each time only a voicemail stating the company was " on holiday '' was received. No voicemail option nor human interaction. 

I tried calling BOA fraud department multiple times on XX/XX/XXXX and got disconnected each time so I felt I have no choice but to file a claim with CFPB. 

In closing ; this is an unauthorized charge, and I am in need of this to be taken off of my account immedietly. Thank you.
Consumer complaint received 2022-05-24
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: FORD MOTOR CREDIT CO. (TX)

According to my records there was no reason for repossession of this vehicle. The payments were up to date and the vehicle was in good standing. I have repeatedly tried to figure out why this repossession is appearing on my credit. I have tried to talk to several representatives and have information sent to me about this particular case to compare it to my records. Representatives from this company have failed to send the documentation for review of this account. I am requesting all records dealing with this account and for them to be sent within an appropriate time frame as per the fair credit reporting act. Once I receive the documents I can get back with you and get this issue resolved. I am also requesting the wet signature that was used to apply this account to my credit report.