davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

In XX/XX/2018 Bank of America employee called me and said a check was put in my account that looked like fraud. I asked the employee what check she was talking about as I knew nothing of any check going into my account. So she said we were going to close that account and start a new one to which I agreed. This was the middle part of XX/XX/XXXX and I told her I would not have another deposit till last working day of XX/XX/XXXX. She said that would be fine. Before my check could go into the account I received a letter that they were closing my accounts all the way. It was too late to stop my check so the check went to Bank of America. I called the bank and they said after the closure and everything was settled I would get the remainder of my check. I said ok. I was in constant contact with them and they finally told me I would have to drive to a Bank of America to receive my money. So I drove the 100 miles to a bank and they refunded all my check. In XX/XX/XXXX I called Bank of America and asked them to file a fraud report over the check.So we did that and they told me it would be 60 days for them to investigate the claim.In XX/XX/XXXX I  called to inquire about the fraud claim and got sent to several different people. Nobody could talk to me on the phone and half could not even find a claim. So now it is where I can not open a checking account in XX/XX/XXXX because of this XXXX report. I get the report and Bank of America says closure status is unpaid. if there was money owed then why didn't they take their money from my retirement check that went to them. Now I received my mail from my daughters house and in the mail is online banking checks made out to other people. I never authorized these checks and the Bank of America can see I never had this money in my account. I never use online banking. One check  the bank sent out was cashed in New York. All this is fraud. Please help as I need a checking account for ss checks And other income as well as a couple bills.
Consumer complaint received 2021-11-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I got an alert from my credit report service that Bank of America had a credit inquiry against me on XX/XX/2021. I have never authorized Bank of America to check my credit. I have never had any business with Bank of America. I called Bank of America on XX/XX/2021 and was told a credit card account under my name is pending for approval. I was told the fraudulent account is being closed upon my report. I also emailed Bank of America security department to report this unauthorized transaction. I thought everything has been taken care. However, I just received a letter only in Spanish from Bank of America today. I am not a Spanish speaker and do not understand Spanish at all. I am afraid Bank of America did not take care the fraudulent transaction.
Consumer complaint received 2021-11-15
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: EQUIFAX, INC. (NY)

XXXX XXXX is attempting to collect a debt that is past the statue of limitations for collection. Amount due is also incorrect. XXXX, Equifax and XXXX also keeps reporting this debt as validated and verified, even though no proof of such has ever been provided by the creditor or the credit reporting agency. I am demanding proof of the original date of delinquency on this debt. It is believed this debt is over 6 years old, which is past the statue of limitations for collection, which would take away the right of the creditor to collect and report this debt to the CRA 's. I am also demanding detailed report of accounting. Information provided to me indicates original date of delinquency of XX/XX/2015 which is now over 6 years old and is now time barred.
Consumer complaint received 2015-07-02
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I purchased a 2011, XXXX XXXX from XXXX XXXX XXXX. They shopped around and obtained a loan through Capital One Auto Finance. The terms of the loan were that # 1. I must purchase the Auto Warranty ( {$2200.00} ) or the deal would not go through and # 2. The selling price including the warranty was {$18000.00}, the interest was 19.79 %. Before I made my XXXX payment on the vehicle I received a letter that stated I owed an additional {$280.00} Plus dollars. I am charged a daily interest rate that I was not informed about of {$9.00} per day. This interest negates my monthly payments. I am charged this interest whether I pay before my due date or not. My payment is due on the XXXX of the month but I pay usually on or about the XXXX except for the month of XXXX. I wanted to see what they did regarding interest. Surely this is a predatory loan. This loan is also forcing me to take out GAP insurance as added protection in the event of loss because I am sure I am or will be upside down on this loan as a result of the forced Warranty, the high interest rate and the daily interest. Below I feel that XXXX of the issues apply to me but I can only pick XXXX, they are : Shopping for a loan, Taking out the loan and Managing the loan.
Consumer complaint received 2022-05-20
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: EQUIFAX, INC. (AZ)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the XXXX Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts and public record listed below are still reporting on my Credit Reports and need to delete immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Chapter XXXX Bankruptcy XXXX
Consumer complaint received 2021-11-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (MN)

This company is incorrectly applying a portion of my mortgage payments to escrow and not crediting me for the full payment to my mortgage. 
As of XX/XX/XXXX my mortgage was current. My monthly mortgage payments are {$1100.00}. 
On XX/XX/XXXX I made a partial payment of {$300.00} toward my XX/XX/XXXX mortgage payment, leaving a balance due of {$890.00}. 
On XX/XX/XXXX I paid the balance of {$890.00}. 
In mid-XXXX  I noticed the company was showing that I still owed {$300.00} for the payment due XX/XX/XXXX. I called to inquire why they were claiming I still owed for XXXX when the payment was made in full. They informed me the {$300.00} payment I made on XX/XX/XXXX was applied to escrow. I told them I did not direct any payment to go to escrow. The agent told me she would submit a request to have the payment taken from escrow and applied to the mortgage payment. 
On XX/XX/XXXX I made a single payment of {$1100.00} for the payment due XX/XX/XXXX. 
The company applied {$300.00} of that payment to XXXX 's mortgage payment and the remaining balance of {$890.00} they applied to escrow, making it look as though I made no payment for XXXX. 
I called 2 more times ( a total of 3 times now ) requesting that they fix their errors. No one can explain why they are applying part of my payments to escrow without crediting me for the payment. No one can give me answers and the problem has not been corrected as of today 's date.
Consumer complaint received 2019-03-18
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. (MO)

I did not authorize XXXX XXXX XXXX to run my credit 5 times. 

I have been contacting Equifax and XXXX XXXX XXXX since XXXX 2018. The 5 inquiries are still on my credit report. 

Dates : XXXX XXXX, 2018 ; XXXX XXXX, 2018 ; XXXX XXXX, 2018, XXXX XXXX, 2018 ; XXXX XXXX, 2018.
Consumer complaint received 2021-11-14
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: EQUIFAX, INC. (PA)

Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the XXXX XXXX compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to XXXX XXXX compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!
Consumer complaint received 2021-11-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (OH)

I first received a notice from Wells Fargo in late XX/XX/2021 thanking me for opening an account with them. I called them and they assured me that there was no account in my name and the letter was likely due to user error - I explained that made no sense since I have never banked with Wells Fargo. But since I was assured there was no account, I felt the matter was closed. Today ( XX/XX/2021 ) I received a statement at my home address for a checking account. When I called the customer service number, I got transferred around multiple times. I wanted to know where the account was opened, what associate opened the account, when it was opened, how they verified my information, and how they verified the information to conform with the Patriot Act requirements. All they could provide me was that the account was opened in California and that I could close the account by going to my nearest branchsoooI guess I need to drive 5+ hours to the nearest location a to get this fraudulent account closed - since there are no Wells Fargo banks in my state ( there is a Wells Fargo Mortgage location in my area, but they said they could not assist ). If I do drive to the nearest branch, I wouldnt be the least bit surprised if they tell me to fly to California to close it- but they cant even provide the city that the branch is- so I guess I would have to spend a week or so visiting every branch in California until I found the branch that the account was opened in.This is absolutely ridiculous and frustrating. This bank has scammed people for too long - their ability to participate in the FDIC program should be revoked - that would drive customers away in droves and likely make them take seriously legitimate complaints from people similarly situation as me.
Consumer complaint received 2021-11-15
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IN)

I submitted a dispute with the credit bureuas for them to look into a few accounts that are reporting that i'm not aware of. I have not received anything to update me on the status of these accounts or if they're looking into it or not. 

Letters sent to the bureaus on the following dates : XX/XX/2021 XX/XX/2021
Consumer complaint received 2024-06-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Stellantis Financial Services US Corp. (IL)

In XX/XX/year> I contacted the company to request that they change my address and mail me paper statements. The company did not change my address or mail me paper statements. I noticed that I had almost two years of late payments on my credit report. When I contacted the company I was informed they never changed my address. The company 's failure to send me statements resulted in late payments on my credit report and me paying XXXX XXXX dollars in late fees.
Consumer complaint received 2022-12-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Portfolio recovery associates LLC has been trying to contact me through mail and phone calls stated that they are an collection agency collecting a debt from XXXX XXXX in the amount of XXXX. I stated to the consumer service agent that I had reported this to consumer service fraud team regarding that amount. I stated that I had expressed to the fraud team in XXXX XXXXXXXX that those charges are fraud and they havent used my credit card in over 6 months and I was told when signing up with XXXX XXXXXXXX credit card on XX/XX/XXXX that once the account goes without any activity in over several months that the account will get closed for inactivity. I was under the impression that my account with XXXX  XXXX credit card was closed until I received a letter in the mail stated I owe XXXX. The account went delinquent on XX/XX/XXXX and the account was charged off on XX/XX/XXXX XXXX tried to fix the problem with XXXX XXXX for a very long time and the fraud team was no help and they put me in collections. On XX/XX/XXXX portfolio recovery associates LLC brought the debt from XXXX XXXX.I placed over several disputes with portfolio recovery, XXXX, XXXX, XXXX regarding the fraud on my XXXX XXXXXXXX account, these disputes took place on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. None of these disputes were in my favor. I been harassed by portfolio recovery with calls and letters stating i owe money and they also stated over the phone if I dont pay them they will take me to court and garnish all my money and assets.
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: OneMain Finance Corporation (TN)

XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX ONEMAIN FINANCIAL XX/XX/XXXX, XX/XX/XXXX Hard inquires on my report that are inacurate, unauthorized, and need to be removed.
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Upstart Holdings, Inc. (GA)

Per Upstart, I have 7 late payments. I paid within the 30 day margins for 2 of the 7 margins. The company informed that it would not reflect on my credit report and it has. I have proof that I paid within the 30 day margin and the company refuses to remove the late payments. I have offered to pay down the balance to only owing half of the balance as a settlement and they still refuse to remove the late payments that were not late. This company is not honest and theyve practiced several violation of the fair credit bureau act.
Consumer complaint received 2023-10-02
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. (FL)

i check my credit and i found out that someone has been using my personal information they even bough a car with 2 credit cards and the other account i have no knowledge of im am a victim of identity theft i did not authorize these accounts
Consumer complaint received 2022-05-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the XXXX Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts and public record listed below are still reporting on my Credit Reports and need to delete immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Chapter XXXX Bankruptcy XXXX
Consumer complaint received 2021-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (NY)

I have repeatedly asked American Express to stop marketing credit cards to me. I have also stated that i am not interested in getting advertisements for cards i will not be approved for. I have also stated that i have spent {$1000.00} 's upon {$1000.00} 's repairing my credit. American Express repeatedly violates my rights in regards to this request. I am continuing to receive marketing from them. This time i opened my XXXX profile and i see a credit card solicitation in my inbox. I am seriously only trying to protect my own personal financial well being. I am asking to stop receiving marketing attemtps for cards that i am not going to be approved for. I have made this request through XXXX, I have made this request through XXXX as Opt-Out, I have made my motives and requests very obvious to Amex. I continue to beg American Express to STOP marketing credit cards to me that i will not be approved for and that will bring down my credit score. This continued marketing is violation of my rights and should be noted as part of any further legal action i am advise i could take to stop these misleading advertisements.
Consumer complaint received 2023-02-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: REGIONS FINANCIAL CORPORATION (GA)

I made a purchase for a pair of sneakers for my daughter through XXXX with an online seller. I never received the shoes and I paid the seller {$150.00} through XXXX. When I contacted Regions to file a claim, I was told unfortunately I am out of luck. The only way they would complete a claim is if it were a debit card transaction. I explained that I had not received the product but the representative stated it didnt matter because XXXX is a third party. XXXX is helping people crooks steal from innocent, hardworking people. It is not fair for someone to take money from me and I do not receive the product/service in return.
Consumer complaint received 2021-11-15
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

On XX/XX/2021, I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the Consumer Financial Protection Bureau seeking help in matters regarding my consumer report. I have sent letters to XXXX, XXXX and Equifax in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under 15 US code 1681 and 15 US code 1681 ( b ) ( FCRA ).

I am aware that they each have 30 days to investigate my disputes and report their findings back to me. At this point I am feeling ignored and taken advantage of. In your definitions 1022.41 regulation ( V ), you clearly state what accuracy ( a ) and integrity ( d ) are. I know that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been violated. 
I would like for you to investigate these inaccurate and false accounts on my consumer report and have them removed immediately. Please send an updated consumer report upon completion.
Consumer complaint received 2021-11-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Consumer Financial Services (IL)

The Lienholder is having the dealership illegal hold my license plates for non payment. Im off a month for my car note and my temp plates have expired. I was told by the finance company that they wouldnt give me my license plates until I pay. I have complaints with the Attorney General and The Secretary Of State. Also the they havent properly registered the car and I was charged for title and registration fees
Consumer complaint received 2019-11-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (NY)

In XXXX Citibank allowed a fraudulent checking account to be opened using my name and address with someone elses social security number. They have not told me what proof of identification was provided in my name to open the account. This is something I would like to know so I can take action to protect myself. 

Citibank then allowed the perpetrator to cash my stolen IRS refund in the amount of {$6800.00} using this account. They did not require a signature on the check to cash it. 

Citibank refuse to address the identity fraud and close the checking account. They said that the person whose social security number was used must make the complaint, but they have not notified this person. Because the statements are being sent to me at my address there is no way for this person to be aware the account exists. I am the injured party, it is my name and address being used and my check that was cashed. I need your help to get Citibank to take action and close this account. 

Additionally, Citibank refuses to investigate the grand larceny of involving my stolen IRS check. I have completed the paperwork required and provided all the information they requested including an affidavit and a police report. They still refuse to address the matter or follow up with the police. 

The IRS has told me they have reached out to Citibank, but the banks Incident Reporting Unit / Risk & Fraud Operations has told me they have not received any communication from the IRS. Instead of engaging directly with the IRS, they are now requiring me to have the IRS send them Fraud Endorsement Claim. The IRS said this is not necessary, but the bank continues to refuse to act. I hold Citibank liable and expect them to reimburse me or the IRS for the stolen funds but I need your help to get them to engage.