davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On XX/XX/XXXX I deposited a check for {$2200.00}. 
I correctly filled out my deposit slip. I have a copy of that slip. The money was supposed to be deposited into my personal account The bank teller at Bank of America XXXX. at XXXX XXXX XXXX, mistakenly deposited that check into a dormant joint account that I still have open with an ex-girlfriend. 

I did not notice the teller 's mistake until two weeks later and immediately went into the same branch to find out where my deposit went. 

BOA let me know they the {$2200.00} went into the other account. We pulled the deposit slip and they admitted fault. 

On XX/XX/23 a CREDIT ADJUSTMENT REQUEST was HONORED for the {$2200.00}. 
I thought that the situation was resolved. 

On XX/XX/23 thos same funds were deducted. 

After communication with the Branch manager at others at BOA, they have informed me that there is nothing that they can do.
Consumer complaint received 2020-06-08
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

This is a follow up complaint to complaint number XXXX which has been closed. I have had additional interaction with Capital One and the dispute has not been resolved to my satisfaction. In a very brief summary of the case, my husband used a Capital One Visa to pay for a ride from the airport in XXXX, XXXX to a hotel. He was told the card was declined, but our card was billed {$1200.00}. He paid {$40.00} in cash, which we have no receipt for. After I filed my initial complaint with you, Capital One refunded {$1200.00} to our account ( the original amount minus the {$40.00} quoted to us for the transport since we could not document our cash payment ). In a letter dated XX/XX/2020, they said they asked the merchant to respond to my claim. I just received a letter that they are billing the entire {$1200.00} to our account again ( not even giving us credit for the {$40.00} I have already paid ). They are willing to provide us with {$200.00} as a reward for our loyalty, etc. After speaking to four people today, I was informed that the merchant was not asked for and does not need to provide any justification for the amount of the charge since we could not provide a receipt for {$40.00} paid in cash or an invoice. Apparently there is no further dispute process if you do not have a receipt. I do not know if we would have had additional dispute options if my husband could have successfully gotten out of the car so that we could have legitimately claimed that he got no service. The scam was successful in that they pulled over right outside the airport, asked for his card and refused to return him to the airport after telling him the card was declined. It seems that scammers are reinforced for their bad behavior because they are not required to provide any justification for their charges.
Consumer complaint received 2019-02-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (KS)

I originally fined a complaint with you on XX/XX/XXXX. I stated that on XX/XX/XXXX, after filing for a hardship forbearance, I received an email from XXXX   XXXX  granting me the forbearance until XX/XX/XXXX. The company 's response was " ... you expressed concern because you believe your loans were approved for forbearance through XX/XX/XXXX ... '' I have the email to prove the forbearance, but XXXX has locked me out of my online account. Being locked out of my account was another complaint in my initial filing. This was not addressed. 
I tried this morning to get back into my XXXX online account and received the following message : " This account has been blocked from online access. For further assistance please contact us. '' I have been trying to get into my account since XX/XX/XXXX. I wrote XXXX several letters about the subject and called on XX/XX/XXXX. I need to get into my online account. 
This is where payments are made, along with the forms for filing another Income Driven Repayment program. I can not do either, because THEY HAVE ME LOCKED OUT OF MY ACCOUNT. 
Once I am into my account, I can retrieve the original XX/XX/XXXX, email granting me forbearance, and also apply for another IDR plan. I can do nothing until I can get into my account. Meanwhile, interest is piling up and it needs to be erased. It is XXXX XXXX fault I can not file or pay, because of my account being locked. Again, my statement from XXXX XXXX stated my payment is " XXXX. '' I want into my account immediately. XXXX does not respond to letters or emails, other than to say they have received them. I get a prescripted response. I want into my account, and all statements ordering me to pay hundreds of dollars stopped.
Consumer complaint received 2019-02-13
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Problem with a trade-in
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

XX/XX/XXXX : Contacted by XXXX XXXX asking me to trade my XXXX XXXX in for a new vehicle ; offered above market value. Went to dealership. Eventually referred to XXXX XXXX for the new vehicle. Assured my XXXX had required value to trade in. Leased a new XXXX at XXXX XXXX and traded in the XXXX. 
XX/XX/XXXX : Delays in receiving new XXXX, delays in receiving paperwork on new XXXX, payment statement for new XXXX arrived AFTER due date, financing company delays in receiving and processing the traded in XXXX. 
XX/XX/XXXX : Recd mailed Notice from XXXX XXXX XXXX  that the XXXX was repossessed. Called them and they said DISREGARD. Called XXXX XXXX and they said the same, apologized for delays. 
XX/XX/XXXX : Recd collections notice for balance due on XXXX. 
Since that time, we have written and communicated many times with both XXXX XXXX XXXX, the XXXX dealerships, and with the XXXX XXXX XXXX. XXXX and the finance company have each blamed the other for errors made, resulting in the balance due. Neither will take responsibility for it. 
It is our belief that XXXX XXXX knew what they were doing, caused the delays, and did not properly process our paperwork, trade-in payoff, or return of the traded-in vehicle. 
All documentation has been provided to all three credit reporting agencies which will confirm all of the above.
Consumer complaint received 2023-03-05
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: Experian Information Solutions Inc. (TX)

In XXXX with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 18USC 1028a Aggravated identity theft 15 USC 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-02-28
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: Experian Information Solutions Inc. (CA)

Delete hard inquiries associated with XXXX XXXX XXXX XXXX XXXXXXXX AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from my credit report account.
Consumer complaint received 2022-12-13
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. (TX)

This is my final attempt to have this account removed from EVERY CONSUMER REPORTING AGENCY INCLUDING XXXX, XXXX, and EXPERIAN. All consumer reporting agencies have tarnished my name and have kept me from obtaining credit. They have ruined my reputation and character. They have violated the FCRA and many other Act as well. This is the last attempt before I seek litigation. 

12 CFR 1022.1 Regulation V ( a ) Purpose. The purpose of this part is to implement the Fair Credit Reporting Act ( FCRA ). This part generally applies to persons that obtain and use information about consumers to determine the consumer 's eligibility for products, services, or employment, share such information among affiliates, and furnish information to consumer reporting agencies. 

XXXX XXXX XXXX XXXXXXXX is reporting to consumer reporting agencies inaccurate information about an alleged account. I have sent in numerous billing error notices to XXXX XXXX XXXX XXXXXXXX according to CFR 1026 regulation Z Billing Error. 
I have asked XXXX ACCT # XXXX to verify and validate the debt they alleged I owe, and I requested that the ORIGINAL CREDITOR be identified according to 12 CFR 1006 Regulation f The Fair Debt Collection Practice Act XXXX  ACCT # XXXX has failed to validate the debt therefore should delete all unverified information from my account ASAP. XXXX ACCT # XXXX should delete all account information they share with XXXX, XXXX, Experian, and any other Consumer Reporting Agency. I did not consent to have my information shared with anyone or company. 

Since XXXX ACCT # XXXX has failed to prove that I owe an alleged debt according to 15 U.S.C. 1681c-2 ( c ) all consumer reporting agencies should block of information resulting from identity theft. 

I didnt consent nor benefit from XXXX ACCT # XXXX. If I received goods or services, please have a senior executive certify under penalty and perjury that I received goods or services under this transaction.
Consumer complaint received 2023-11-28
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.
Consumer complaint received 2023-03-10
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MI)

Please remove the following Incorrect Addresses, Phone Numbers and Incorrect spelled names from XXXX, XXXX and EXPERIAN credit report. 15 USC 1681s-2-, A person she'll not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Incorrect Names : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. 

Incorrect phone numbers : ( XXXX ) XXXX ( XXXX ) XXXX. 

Incorrect Addresses : XXXX ). XXXX XXXX XXXX XXXX Michigan XXXX, XXXX ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX, XXXX ). XXXX XXXX XXXX XXXX Ohio XXXX, XXXX ). XXXX XXXX XXXX XXXX XXXX Michigan XXXX, XXXX ). XXXX XXXX XXXX Michigan XXXX, XXXX ). XXXX XXXX XXXX XXXX Michigan XXXX, XXXX ). XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Michigan XXXX XXXX XXXX ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX Michigan XXXX, XXXX ). XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Michigan XXXX XXXX ). XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Michigan XXXX
Consumer complaint received 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Please remove the following Incorrect Addresses, Phone Numbers and Incorrect spelled names from XXXX, TRANSUNION and XXXX credit report. 15 USC 1681s-2-, A person she'll not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Incorrect Names : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. 

Incorrect phone numbers : ( XXXX ) XXXX ( XXXX ) XXXX. 

Incorrect Addresses : XXXX ). XXXX XXXX XXXX XXXX Michigan XXXX, XXXX ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX, XXXX ). XXXX XXXX XXXX XXXX Ohio XXXX, XXXX ). XXXX XXXX XXXX XXXX XXXX Michigan XXXX, XXXX ). XXXX XXXX XXXXXXXX Michigan XXXX, XXXX ). XXXX XXXX XXXX XXXX Michigan XXXX, XXXX ). XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Michigan XXXX XXXX XXXX ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX Michigan XXXX, XXXX ). XXXX XXXX XXXX XXXX XXXX XXXXXXXX Michigan XXXX XXXX ). XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Michigan XXXX
Consumer complaint received 2022-12-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (CA)

Upon my husbands released from the XXXX hospital down in XXXX XXXX for XXXX XXXX XXXX symptoms are hardship has been throughout the month of the year in XXXX. I sign up to have my loan my mortgage loan put on a modification, which it was a three month modification trial. Before we can start a mitigation, lost mitigation due to XXXX XXXX XXXXXXXX prepaid card that weve been on through XXXX or through XXXX somebody had fraudulently use the card and took out all the money in the bank now that put us in for our last payment, we defaulted in XXXX not because we didnt have it, but because somebody took it out of our bank account, which is leaving us now into it like an open area basically for any foreclosure. What can we do to stop this prevent this maybe look at another avenue weve lived in this house for six years when we want to keep it. Its our home.
Consumer complaint received 2022-12-27
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: WELLS FARGO & COMPANY (CO)

This involves Wells Fargo Bank. 
On XX/XX/2022 fraudulent cash advances were made on two separate credit cards. These cash advances were transferred to my business checking account ( by the person committing the fraud ) from which a fraudulent wire transfer was made. I notified representatives at Wells Fargo within minutes of the fraud taking place. 3 months have gone by and Wells Fargo has yet to correct the situation. 

Business credit card ending in XXXX in the amount of {$9000.00} and personal credit card ending in XXXX in the amount of {$8000.00}. These cash advance funds were transferred without my approval to the business checking account ending in XXXX from which the {$17000.00} fraudulent wire transfer was made. 

Over the last three months Wells Fargo has been dragging their feet addressing my claim. They replaced both credit cards and transferred the fraudulent cash advance amounts to the new cards. Since representatives at Wells Fargo were unavailable to discuss the lack of action on their part, I used my own funds ( admittedly in a bit of a panic ) to pay down the new credit card balances to protect my credit rating. Wells Fargo now claims that since the credit card balances are essentially XXXX, " restitution '' has been made. They refuse to acknowledge that MY funds were used and that I ( the victim ) am in no position to provide restitution. 

Most recent Wells Fargo parties involved : XXXX XXXX : XXXX ( Business credit card ). 
XXXX : XXXX XXXX ( Consumer credit card ) Please address this issue and explain why Wells Fargo shouldn't provide restitution for fraudulent credit card charges.
Consumer complaint received 2020-01-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (OH)

This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature.

I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. 
Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or hand written verification directly from a person at that. Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted.unaware of the amount due and your bill does not include a breakdown of any fees.

1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you. 3.Cease any credit bureau reporting until debt h
as been validated by me.

4.Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed can be percieved as a violation of the FDCPA because you will be deceiving me after my written request of debt valid
ation. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency
Consumer complaint received 2023-05-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XX/XX/202XXXX XXXX XXXX violation of my rights by reporting to all the credit bureau of my credit account and inquiring, were they are shown also XXXX XXXX  has sold my information to a three party customer service company for pennies on the dollar. They have also reported to all three major credit bureaus as a charge off on my credit report. Which they have filed a 1099a & 1099c from in received payment of {$600.00} dollars + interest wages. Which states my debt is paid in full. I will like the charge off removed from all three credit bureaus immediately with a 30 day period immediately.
Consumer complaint received 2022-12-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NM)

When I called to postpone my XX/XX/XXXX payment to be withdrawn in early XXXX, I was told by an agent that my monthly payment had gone down from {$1200.00} to {$520.00}. I asked the agent multiple times to make sure this was correct, I let him know that I had multiple loans and maybe he was reading something wrong. He assured me that {$520.00} was my new payment going forward. I went onto the website to see the amount due for XX/XX/XXXX and confirmed that it was {$520.00}. The agent and I made a new automatic payment arrangement for the new monthly amount due. When I called in XXXX to postpone my XX/XX/XXXX payment to early XX/XX/XXXX, I was told my account was past due {$920.00}. I was told that the agent I spoke to in XXXX was new and gave me incorrect information. I was told that not only had my payment not gone down, it had gone up from {$1200.00} to {$1500.00}. I let the supervisor know that I could not afford that and could not even afford the previous payment of {$1200.00}, which was a lowered payment agreement I had made about two to three years prior, after being told multiple times that I did not qualify for a lower payment based on my income. The supervisor checked my account in this instance in XXXX and once again told me that I do not qualify for a lower payment based on my income. The best she could do was to lower my payment by $ XXXX if I payed interest only every month. I was told that my monthly payment had gone up due to an interest rate increase, which I do not believe since I recall my interest rates being considerably higher when my payment of {$1200.00} was set in place. I am struggling financially with this supposed error made in XXXX since it has resulted in a now {$2400.00} past due amount in addition to {$48.00} in unpaid fees. Since I was unprepared to make my XXXX payment of {$1500.00} XXXX asked to make the {$520.00} payment as planned for XXXX in early XXXX, and I would begin making the new {$1500.00} at the end of XXXX. This new payment along with slowly bringing the past due current is going to further make it difficult to meet all of my monthly obligations, pay for my health care, and put food on the table as it takes roughly 50 % of my income. These difficulties have been present and insurmountable for years because if Navient and are now made even worse.
Consumer complaint received 2020-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (IN)

I wrote a letter to LexisNexis in regards to wrong unverifiable information on my C. L. U. E auto report ( not at fault accident XX/XX/2018. ) I asked them to remove this information. I also asked them to freeze my account which they have, but never respond to my dispute. I know due to the F. C. R. A. They have 30 days to respond.. They have only responded to the security freeze.