davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have fallen victim to a widely reported scam targeting Bank of America customers using the XXXX money transfer service. {$3100.00} was stolen from me. The scammers were impersonating Bank of America customer service, spoofed the BOA 1-800 Customer Service number XXXX and knew various account details with BOA. 

Upon reporting the scam to Bank of America I was a asked to submit a variety of paperwork and file a police report. I was able to also provide the scammers bank, last 4 digits of the account number, and first name the checking account was registered under. I complied with all of the requests made by BOA. 

The case investigating this claim was then shortly closed, and I was advised to contact the recipient of the stolen funds ( I.E. the scammers ). 

Neither the police, Bank of America, or XXXX XXXX XXXX XXXX have helped me resolve this issue. The fraudsters also tried to use my identity to register for benefits using through California EDD via the " ID ME '' app. No one from the California EDD office has returned my calls or e-mails.

Recently I was contacted by BOA notifying me that I was being kicked off of XXXX for violating the Terms Of Service, but they would not specify what rule I had in fact violated. The terms do however specify that you can be kicked off the platform if you fall victim to this type of scam.
Consumer complaint received 2021-09-27
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC. (MO)

I have tried with several disputes about the balance that is incorrect. They are constantly changing the amount due on this account. I have two different amounts they state that I owe. My balance states {$540.00} but the amount owed is {$550.00}. 
The collection agency is Wakefield but there is no account number or address listed in the credit report to contact and I have no correspondence from them. The original creditor is XXXX XXXX XXXX
Consumer complaint received 2021-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I am in the process of obtaining mortgage approval. My mortgage lender XXXX submitted a rapid rescore to Experian on Monday XX/XX/2021 with supporting documentation to have inaccurate late payments removed on my credit report. On Friday XX/XX/2021, XXXX was notified from Experian that they did not accept the written documentation and is refusing to deleted the inaccurate late payments and update my credit report. This is documentation directly from the creditor stating that the late payments are to be deleted because they are reporting in error. XXXX  and XXXX  have already updated my report but Experian is still refusing to do so. I can not open a dispute due to my closing date happening in less than 1 month.
Consumer complaint received 2019-02-02
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: Informative Research (FL)

I have been turned down many times. My husband and I have the same name and XXXX XXXX doesn't believe us. No he has pasted away and still have people looking for my deceased but using my name doing it. I have many companies going into my account for information I don't know. I just got my report in many years as I was turned down my one company in Texas after reviewing your report at XXXX as their reason for declining me. I would like all my inquiry 's removed as I don't know up to 99 % of any name I saw on my report.
Consumer complaint received 2021-09-27
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: Resurgent Capital Services L.P. (PA)

1 ) On XX/XX/XXXX I made an agreement with XXXX XXXX ( XXXX XXXX ) to settle my debt for 60 % of the total owed, which equaled {$1400.00}. 
2 ) Payment was made by certified check through the closing company that settled my mortgage. They required me to negotiate this debt in order to provide financing. 
3 ) On XX/XX/XXXX I emailed XXXX to see if my payment had been received and applied to my account. 
4 ) On XX/XX/XXXX XXXX replied to my email, stating that my account had been transferred back to Resurgent / LVNV. In addition, she told me to contact them regarding the matter that I had already made an agreement on. 
5 ) On XX/XX/XXXX I decided to make an online account with LVNV, in order to see the status of my account. Right under account details it showed my payment in the amount of {$1400.00} was posted in XX/XX/XXXX. 

I have clearly proven I met my end of this obligation and that both companies have lied to me and refused to remove this incorrect information from my credit report. In addition, I have filed complaints with all three major reporting agencies, all of which said they investigated my complaint and that the debt was valid. 

Please help me in regards to this matter. I have attached all of the evidence I have. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX
Consumer complaint received 2019-02-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

Purchased an item on XX/XX/2018, money was taking out of my account XX/XX/2018 from a company called XXXX XXXX XXXX out of New York and I never received the product I paid for. The amount of money that was taken out of my account was {$150.00}. Now the bank says I have zero fraud protection against this transaction. The bank Im currently dealing with his fifth third.
Consumer complaint received 2021-09-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION (GA)

I reported a valid fraudulent charge claim to SunTrust Bank on XXXX immediately after being notified about charges and declined a {$12000.00} charge by text alert. 

I reported the 3 charges totaling {$7500.00} that were completed, but the claim was denied to unexplained inconsistencies ( despite supplying a police report. 

The XXXX XXXX sheriffs office told me that SunTrust also rejected paying the merchant due to dial g to verify ID, effectively stealing {$7500.00} from me. 

I was given a rebuttal form and told that the remedy could take 45 days. This is absolutely unacceptable.
Consumer complaint received 2021-09-27
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. (GA)

Company has been reached out to on many previous occasions in regards to reporting unverified information. I requested an investigation and have yet to be notified nor have I received a response.
Consumer complaint received 2021-09-27
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: World Omni Financial Corp. (FL)

I LEASED A XXXX  XXXX XXXX THROUGH SOUTHEAST TOYOTA FINANCE ( SETF ). AT LEASE END SETF REFUSED TO PERFORM THE REQUIRED INSPECTION AT MY HOME DUE TO XXXX AND REPEATEDLY REFUSED MY REQUESTS TO BE PRESENT AT THE INSPECTION. THE INSPECTION WAS THOROUGHLY UNSATISFACTORY. I DOCUMENTED THESE PROBLEMS, BUT SETF REPEATEDLY IGNORED THE CONTENT OF MY LETTERS. I AM ATTACHING FIVE DOCUMENTS WHICH DETAIL THE INCOMPETENCE OF THE INSPECTION AND OTHER ASPECTS OF THEIR DEPLORABLE BUSINESS PRACTICES. I PAID THE CHARGES I BELIEVED WERE JUSTIFIED. SETF RESPONDED BY CONTINUING TO BILL FOR THE UNSATISFACTORY CHARGES WHILE NEVER ADDRESSING THE SPECIFIC INSPECTION REPORT ERRORS. SETF FINALLY DECIDED TO CHARGE OFF THE DISPUTED CHARGES, BUT DID IT IN A WAY WHICH DAMAGED MY AND MY WIFE XXXX 'S CREDIT RATING. THEIR INCOMPETENCE AND UNFAIR BUSINESS PRACTICES SHOULD NOT BE PERMITTED TO DAMAGE MY CREDIT RATING. I BELIEVE I FULLY AND FAIRLY MET MY OBLIGATIONS TO THEM AS I HAD DONE WITH THREE PRIOR LEASES WITH THEM. THEY RESPONDED BY IGNORING ME AND DAMAGING MY CREDIT.
Consumer complaint received 2021-09-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: VANDERBILT MORTGAGE & FINANCE, INC (TN)

Covid 19 pandemic caused me and my spouse to be unemployed.our unemployment awaited approval inXX/XX/XXXX and XX/XX/XXXX due to conviental loan under mandate I had no help like the Fha loans got forbearance all Vanderbilt mortgage offered was forcloser if I didn't get XXXX doll.i asked them for assistance in the sell if my home in XX/XX/XXXX.i had serious buyer.in a recorded conversation they didn't offer me any assistance with sell or forbearance.i come up with assistant bring loanto current in XX/XX/XXXX. Then in XXXX I find more help XXXX  I need Vanderbilt to sign a paper that XXXX  needs to help with mortgage I call leave messages send emails telling them I got to have this paper.finally Vanderbuilt replays after I complain to XXXX  on them for it giving me the paper.i get it call XXXX  and they say too late they ended program and can't help me now but new program opening I qualify for. Vanderbuilt won't return call emails again have a buyer Vanderbilt mortgage says they won't stop forcloser and sell my home.iamXXXX inhospitl trying to not XXXX XXXX XXXXi can't afford lawyer don't know what to do. Vanderbuilt signed paper from XXXX saying they won't foreclose after revicivibg money for mortgage but they did.
Consumer complaint received 2023-02-07
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. (OK)

Someone fraudulently opened a XXXX credit card under my name. I did not open any new accounts or have my credit checked. I contacted XXXX and they closed the account. I told them to remove that fraud from my credit report. I then disputed the fraud on my report with all XXXX credit bureaus and XXXX XXXX now just says they verified the account information. It is not me and i want this fraud removed ASAP
Consumer complaint received 2022-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

I am writing to dispute an issue with Comenity Bank in regards to a credit card account that has been inaccessbile for months. I received emails notifying me that a payment is due, however, the system won't let me in because the phone number or website has not been working for months and in addition they are erroneously charged late fees for months. I have called the Customer Support number and inaccessible to customers I would like this corrected, late charges refunded as soonest possible and be able to speak to an agent to close the account as well.
Consumer complaint received 2021-09-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Yamaha Motor Finance Corporation USA (TX)

I purchased a boat with Yamaha Motor Finance Corp USA XXXX XXXX XXXX XXXX, TX XXXX XXXX Supervisor : XXXX XXXX Payment due XX/XX/2021. Payment in full for {$410.00} was mailed on automatic bill pay by XXXX XXXX XXXX  on XX/XX/2021. Allowing 11 days to mail and post. XXXX XXXX shows check as delivered XX/XX/2021. Giving still 4+ days for Yamaha to post payment. 

Due to slow posting by Yamaha, they claim the payment was posted XX/XX/2021. 
They charged a $ XXXXlate fee for XXXX being " late ''. 

Despite all payments being on time for full amount ; they were saying the $ XXXX/late fee was making the regular payments SHORT. And therefore charged additional late fees every month for all subsequent months. 
Despite the fact that all XX/XX/2021- XX/XX/2021 payments got mailed out 10 days in advance, they were charging a late fee even though full payment was arriving on time and short posted due to fraudulent late fees. 

All subsequent late fees stemmed from the original fraudulently applied a late fee in XXXX due to their own slow payment posting process.
Consumer complaint received 2021-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (CA)

Hello there, I had a credit line of {$5000.00} and I called in to get permission to get approved for a large purchase and Chase said you can shop with confidence as we no longer request a heads up for large purchases. 

My card was declined and I was sent an email stating Chase lowered my credit from {$5000.00} to {$1000.00}?!? 

Whats happening?! Ive never been late!!!
Consumer complaint received 2022-09-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

The car lot i traded my vehicle too over the past couple years has ran my credit multiple times. 8 times within one week. They just ran it again XX/XX/XXXX without my authorization. I have never had a missed payment or high utilization. My credit score has dropped tremendously due to XXXX hard inquiries when i should only have 3-5 if that.
Consumer complaint received 2021-09-27
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

As the consumer I sent out a certified mail letter to Portfolio Recovery Associates. The certified letter was a cease and desist order to cease all communication in connection with debt collection. The FDCPA has defined exactly what " COMMUNICATION '' means within the law. The FCRA has defined exactly what " PERSON '' means within the law. 

Here is how the FDCPA defines COMMUNICATION, " the term " COMMUNICATION '' means the conveying of information regarding a debt DIRECTLY or INDIRECTLY to any person through any medium ''. 

Here is how the FCRA defines PERSON, " the term PERSON means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity ''. 

Portfolio Recovery Associates received my notice of cease and desist communication in connection with a debt. XX/XX/2021 at XXXX XXXX, see certified mail confirmation attached. Portfolio Recovery Associates have stated in past correspondence that " We take compliance with all applicable state and federal laws very seriously ''. 

Portfolio Recovery Associates is not allowed to communicate in connection with debt collection to the consumer reporting agencies because they are INDIRECTLY communicating about me, after i told them not to. The consumer sending a cease and desist letter changes what would have been normally permitted by law. Clearly the law is saying that Portfolio Recovery Associates is no longer permitted by law to communicate in connection with debt collection to the consumer reporting agencies. 

Portfolio Recovery Associates is still reporting the alleged debt to the consumer reporting agencies even after having received notice on XX/XX/2021. The debt is alleged and it is false and misleading, for other creditors to see a collection account on my consumer report. The alleged debt is owned by Portfolio Recovery Associates, there is insufficient evidence to bring a breach of contract claim regarding this debt. Portfolio Recovery Associates will have to prove the elements of a breach of contract claim, I'll be looking forward to the testimony of an agent of Portfolio Recovery Associates, preferably one with first hand knowledge that can prove we have a contract and there was mutual assent..

Portfolio Recovery Associates has violated the federal law in more ways than 4. I have not included all the violations by Portfolio Recovery Associates, if needed they will be revealed.
Consumer complaint received 2021-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

On XX/XX/2021, I requested from Capital One for a credit line increase from one of my credit cards, and it was denied. Two of the reasons given were incorrect, and the credit score was from XX/XX/2021. 

On XX/XX/2021, I called the 800 number on the back of my CC and went into the branch on XXXX XXXX, XXXX, VA. Both said I was denied, so what is my problem? And there is no one I can talk to. 

I explained that it's not about being denied, but the bank used the score from XX/XX/2021, instead of XX/XX/2021. I want to make sure that if I were to apply for credit in the future, the bank or any bank would have the correct data. 

In addition, I mentioned that I paid off a lot of my CC and monitored my credit monthly, and I'm confident this way of doing business is incorrect. 

Both on the phone and at the branch, the operator told me to call XXXX claimed that they provided Capital One with incorrect information. My response is untrue, as I monitor my credit monthly, and both XXXX and XXXX have the correct information. 

My last attempt was to call XXXX and asked for help as I'm not getting any results from Capital One. XXXX told me to reach out to you, as it's why I'm writing.
Consumer complaint received 2021-09-27
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. (NY)

This is XXXX XXXX XXXX and not a credit repair company -Bankruptcy chapter XXXX XXXX U.S. Bankruptcy Court XX/XX/XXXX -Bankruptcy chapter XXXX XXXX us bankruptcy court XX/XX/XXXX, I have asked more than 3x for a response as to how this information was verified and whom did they speak to? I have submitted proof from the Us Babkruptcy court stating they do not furnish bankruptcy, judgments or liens to the credit bureaus. The FCRA states " I have the right to a complete and accurate credit report, and any errors must be deleted.

I have exhausted my options with no result. 

-Original creditor XXXX XX/XX/XXXX {$170.00}, The fcra states I have the right to a accurate and complete credit report. This account on my credit report is inaccurate and has incomplete information as to whom the creditor is, which makes this account inaccurate. I have demanded that this account be removed from my credit report because it has caused unwanted derogatory marks, causing my creditor score to be lower. 

-XXXX  XXXX XXXX XXXX XX/XX/XXXX This account has reported inaccuracies and i demanded it be deleted. The open dates has XX/XX/XXXX transunion, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX which shows different opening dates which are inaccurate, Transunion reports no data for the history of payments, XXXX reports the account being charged off, XXXX reports the account as OK. There can not be 3 different reports for the same account. The reporting data has must to match to be accurate. Thus making this account inaccurate and I demand that this be deleted. 

XXXX XXXX  XXXX XX/XX/XXXX this account is reporting inaccurate date to my credit report and causing derogatory marks, which in turn is lowering my credit score. 
You are report my account as charged off. Transunion is reporting this account with no data. XXXX is reporting as charged- off and XXXX  is reporting as OK. All 3 credit bureaus must rert accurate data. Transunion, XXXX and XXXX can not report different payment data. It has to match. The date of last activity is different from transunion XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. The correct opening date can not be determined because it does not match, therefore this is inaccurate. I demand that it be removed from my credit report.
Consumer complaint received 2021-02-19
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: CITIBANK, N.A. (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX XXXXXXXX, Citicards CBNA, and XXXX XXXX XXXX. The Account Opened is XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00}. The Account Opened is Citicards CBNA Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$35000.00}. The Account Opened is XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2021-09-27
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Lending Club Corp (NY)

Loan funds for payoff were sent in XX/XX/2021 to pay in full. Lender emailed saying they needed more information to apply funds received. Additional confirming information was provided. Multiple attempts and phone calls were made. The company confirmed the payoff funds were received by their treasury team. The loan was refinanced with funds from another bank.. After confirming through providing the check document which was cashed, the company refused to apply the funds as requested for the payoff amount. They instead cut a new check and returned it to the sender, the other bank. No attempts were made to contact me to follow up on the issue and the company refused to put any confirmation in email or writing. I am still trying to track down the check, which they say has been sent. This process has taken over two months and has been a nightmare, causing great hardship to my family.

LendingClub refuses to acknowledge receipt of funds. LendingClub is trying to avoid paying off my loan, so they can charge additional fees and interest. LendingClub refuses to follow up on any issue. This behavior is unacceptable from a regulated financing institution. Clearly the management and administration of funds and payments is haphazard and overly automated. This issue poses an operational risk.