davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-05
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. (LA)

In accordance with fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : Dept of EDXXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXXXXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX  XXXX # XXXX, Account name : XXXX XXXX  XXXXXXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX 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 cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I was illegally added to a bank account without any signature cards or identification For an account owned by XXXX XXXX and XXXX XXXX XXXX XXXX XXXX account number They refuse to provide evidence that I was applied to this account. 
to completely resolve claim XXXX XXXX Bank of America XXXX : # XXXX
Consumer complaint received 2024-02-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp. (TX)

This company is True Accord who says they bought the debt from XXXX XXXX? Neither of these companies are on my credit report and I am showing another company, XXXX, for the debt they say they are trying to collect. I have paid {$350.00} of the debt and they will not provide me with a letter showing this is a valid debt I owe.
Consumer complaint received 2023-06-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

Ask them to send verification of the debt they say I owe, they sent old copies of some old credit card statements over 10 years old, I asked them to stop calling me and my work place, they continue to call and harass me, about debt thats over ten years old, the company is Portfolio Recovery
Consumer complaint received 2023-02-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/2022, I deposited a check written on my account in the amount of {$20000.00} into the account of another Bank of America customer 's account. Subsequent to that, on or before XX/XX/2022 I placed a " Stop Payment '' for that check which was acknowledged in writing in a letter from Bank of America on XX/XX/2022. 
The recipient of the check acknowledged the check being deposited and then withdrawn by Bank of America. 

The complaint is that Bank of America took the funds from the other customer 's account and failed to return them to my account. 

They, Bank of America, subsequently closed my account from which the check was written and showed as withdrawn from that account on the statement. 

In my view, the only equitable solution will be for Bank of America to send me a good check in the amount of {$20000.00} for my use. 

Bank of America hinted in various conversations that fraud was being perpetrated by someone. They did not accuse me. If the recipient of the check was involved in any fraud, I was not aware of it If anyone is being defrauded, it is I, the victim. The victim should not be punished and the bank should not be rewarded by being allowed to keep funds that should be returned to the rightful owner. 

I have made Bank of America aware numerous times of my complaint and they would say that the matter was investigated and that I was not going to be entitled to the funds that THEY have. This is what I call the opposite of the fiduciary they should be. 

If they are found to have violated their responsibilities, I hope you can find a way to make them do the right thing.
Consumer complaint received 2023-03-04
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (OH)

On XXXX XX/XX/XXXX, I sent a letter to US Bank inquiring about the processes for 100 % XXXX Veterans and their Mortgages. 

I was told once US Bank verified the 100 % XXXX Veteran status with the XXXX XXXX XXXX 's office they'd conduct an Escrow Analysis. I sent them the Certificate as well from XXXX XXXX XXXX XXXX XXXX. 

US Bank received my Tax bill for XXXX in XXXX and conducted an Escrow Analysis. But my XX/XX/XXXX was still {$1000.00}. XXXX 's payment was reduced to {$790.00}. However, XXXX 's payment is {$960.00}. Upon conducting the Escrow Analysis, US Bank sent me a check for the Escrow overage. 

Upon contacting US Bank on XXXX XXXX XXXX, 30 minutes on the phone still did not yield me any answers as to why my mortgage payment keeps changing. 

I was told I'd receive a phone call within 48 hours. To date, no one from US Bank has contacted me.
Consumer complaint received 2023-03-02
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. (CA)

In accordance with the Fair Credit Reporting act XXXX Account # 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 602 A Section 2 : It also states a consumer reporting can not furnish an account without my written instructions.
Consumer complaint received 2020-09-25
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. (IL)

I contacted XXXX  and Equifax recently regarding information reported on my credit file. I inquired about the individual/s that reported to their concerning regarding a bankruptcy in XXXX and XXXX. I was advised by the representatives/ and supervisor that the United States Bankruptcy Court XXXX District of Illinois reported the information to XXXX  and Equifax . I asked that information be removed in accordance to Section 1681 ( 5 ) of FCRA ( Fair Credit Reporting Act ) I  was told they would not be removing because the above entity reported this information. The above-mentioned credit agency was advised that the Bankruptcy Court did not report this information and I presented proof of this information to the credit reporting agency. I received and update to my credit report on XX/XX/XXXX stating they had completed my dispute. XXXX  and Equifax seem to not follow the law in reporting fairly and in accordance to the law. I have attached the letter of removal sent to Equifax and XXXX, the letter from the bankruptcy court, and their removal for non-compliance
Consumer complaint received 2023-06-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (CT)

I previously reported problems with XXXX Bank and XXXX XXXX regarding XXXX : XXXX. I made the report in XXXX. I told them I was making a complaint. And they mis-applied the funds, yet again, this month. There are XXXX loans. They apply payments to pre-pay 2 loans ( now paid up to XXXX ), but don't apply any funds to the 3rd loan, now marked overdue and subject to a penalty. Amazing! I put the correct loan # XXXX on the check, but I assume it is all automated with out-dated equipment. 

Further, XXXX bank has previously been fined by the consumer financial protection board ( CFPB ) ( $ millions! ) for failing to properly respond to customer complaints. They won't " talk '' to me, because the loan is in my wife and daughter 's name, but more importantly, they won't listen despite numerous complaints, from me, from my wife, from my daughter, by phone and by electronic mail. 

I defer to CFPB as to whether to publish or not. It seems contemptible for XXXX XXXX to continue to disregard customer complaints despite the prior sanctions. And we made numerous complaints to the bank and XXXX XXXX, for months before, before filing a complaint with the CFPB. I assume my complaints are not unique. Thank you. 
XXXX XXXX. XXXX. XXXX XXXX
Consumer complaint received 2023-01-31
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I received a letter today XX/XX/XXXX at my new address from my old address, the letter was from Bank of America stating I have a new account that was opened on XX/XX/XXXX. I have contacted BOA by phone for the branches are closed at this time ( after XXXX ). A rep did assist by temporarily freezing the account. the account was opened on XX/XX/XXXX. The letter states it is a XXXX XXXX account. No money deposited as far as I can tell by the letter. 

I need to know how they were able to open the account under my old name and old address with my credit report locked.
Consumer complaint received 2023-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (CA)

I was been informed by XXXX that the referenced payments totaling {$5000.00} have been cleared and cashed by Williams SonmaXXXX Barclay and NOT transfer to new account Williams SonomaXXXX XXXX ( like the other payments had ). 

However, the five payments are not represented on the statements. True and correct copies of the statements for the periods in which the five above referenced payments were made to you are attached hereto, and incorporated herein. 

I call it the blame game, but I'm the biggest loser! I thought I only lost {$5000.00} but really the lose it is so much more! My story began in XXXX when I got a Williams Sonoma Visa Credit Card issued Barclay Card. In XXXX XXXX XXXX  took over my credit card agreement with Barclay Card. 
In XX/XX/XXXX I was applying for a home loan and the lender stated that I needed to pay off the remaining balance on my Williams Sonoma credit card before funding in XX/XX/XXXX. I always made the payments the same way using bill pay via XXXX XXXX Actually I had always made the payments the same way and not even updated since XXXX bill payments. I would bill-pay the same account number I had been using since XXXX. 
In XXXX of XXXX at closing the lender stated that I still had a remaining balance of over {$5000.00} showing on my williams-sonoma card I stated that was impossible because I had made five {$1000.00} payments and that the card was completely paid off. I gave the lender proof of payments and sent them too XXXX  XXXX  so they could update their records. Obviously, this was important to me because this put me in a different bracket as far as points on my home loan went. This ending costing me 1 point ( on a {$450000.00} home loan ). 

At this point I'm completely out the missing {$5000.00}, interest, points on mortgage and my credit reports are not correct. 5 payments in the amount of {$1000.00} each were made to XXXX XXXX  ( The same way every via bill-pay from XXXX XXXX  for the past 3 plus years to XXXX XXXX  XXXX XXXX 

Each payment of {$1000.00} was made was electric from XXXX to XXXX some way for the last 3 years NO changes! It is set-up automatically for weekly payments. I noticed that my payments were not posted, so I called XXXX XXXX  and they stated I did not make the payments. I called XXXX XXXX. XXXX XXXX  and I called XXXX XXXX  together and once XXXX XXXX  stated the payments were not made. 

XXXX and I both sent back-up 's of the payments totaling over {$5000.00} that are missing and they still state the payments were not made. XXXX disputed the 5 payments and gave us a {$5000.00} credit on XX/XX/XXXX only to reverse that credit onXX/XX/2019 for {$5000.00}. XXXX stated since no changes were made to the payments for the past 3 years and the wired funds did go to the same account they could not help me ( basically since I sent the payment the same way for the past 3 year with no changes electrically no fraud was found ).
Consumer complaint received 2020-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (SC)

Hello, my name is XXXX. To whom this may concern. XXXX   and Equifax deleted some items off my credit report and decided to put them back onto my credit report. Which is against the law by the Credit Fair Reporting Act. I just want your help with ensuring they delete these items back off my credit report and to never place back on my credit report. Thank you
Consumer complaint received 2023-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (NY)

american express closed my account on XX/XX/XXXX for no reason i was a client since 2002 and always paid my bills as of my last statement i had Membership Rewards Points XXXX they told me on XX/XX/XXXX i would have 30 days to redeem them and later said there gone there worth at minimum XXXX cent each
Consumer complaint received 2023-07-25
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. (NC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-15
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 (NY)

On XX/XX/22, I noticed a charge on my Bank of America XXXX XXXX, placed there by XXXX XXXX ( which I did belong to last year ) but these charges were for {$190.00}. For the upcoming year. I do not recall giving XXXX XXXX permission to automatically charge my card for the upcoming year. 
( XX/XX/22 XXXX XXXX {$190.00} -- - Reference no. XXXX. 
By email, I contacted XXXX XXXX, and told them I wanted the upcoming member ship cancelled, and the {$190.00} refunded back to me. 
I received an email from XXXX, indicating my membership had been cancelled. 
I received no refund of the {$190.00} from XXXX. 
I contacted Bank of America, XXXX on XXXX at XXXX pm, and spoke to XXXX, and explained the problem, that the amount needed to be put into dispute, as I was due a refund of {$190.00}. 
As of XX/XX/22 there is NO credit of {$190.00}. On my online Bank of America statement. 
There appears to be no DISPUTE in process. 
So my call, of concern, to XXXX was placed in vain. Bank of America did nothing. 
WHAT I WANT I want the {$190.00}. Removed from my statement as a charge. 
I HAVE the email, sent to me, by the XXXX XXXX, indicating my account is cancelled for the upcoming year. 
Now I need my money refunded.
Consumer complaint received 2023-01-23
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: TMX Finance LLC (MO)

On XX/XX/XXXX, I obtained a title loan from Title Max using my XXXX XXXX XXXX as collateral. I am a XXXX XXXX XXXX  and I had to use the funds for temporary housing to flee a very serious situation. I was unable to make the payments due to the fact that I have had to be on UNPAID crime victim leave to relocate for safety reasons from my employer numerous times since the loan originated. On XX/XX/XXXX, I was sent the First Notice of Default and Right to Cure from the lender. The vehicle was ultimately repossessed in XX/XX/XXXX, however I brought the loan current XX/XX/XXXX and regained possession of the vehicle. I would like to interject here that the recovery company held my vehicle for 3 days after the payment was made to the title company. At the time that the loan was brought current, the representative at the title company set up an appointment for XXXX XXXX  the next morning for me to pick up the vehicle from the recovery company. The recovery company called me the next morning and told me that they could not keep the appointment because they did not know where my vehicle was located. In actuality, they would not release it to me because they had not yet processed it on their end although it was paid and I had the legal right to take possession of the vehicle. They told me to leave their establishment after I called law enforcement on XX/XX/XXXX, when I went to their establishment as instructed by their employee, with all documents required for release and they REFUSED to release my vehicle because they were closing in 40 minutes. They still did not release it for several more days as they require an appointment and claimed to be booked. Again, due to my domestic situation I was unable to continue making payments. The vehicle was taken into possession again in XX/XX/XXXX. However I never received the second Notice of Default and Right to Cure required by Missouri law before they took possession. I was not given the right to cure the default and I also have not received ANY type of correspondence from them since they took possession of the vehicle.
Consumer complaint received 2022-06-03
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)

I submitted my first complain on XX/XX/22. 
I have not received any replied from this company that keep reporting inaccurate information on my credit report.
Consumer complaint received 2023-03-02
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. (SC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX. 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 cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (CA)

A wire was sent to my account on XX/XX/XXXX and again on XX/XX/XXXX. Each time, Chase, without notice or information provided, held the funds and refused to release the funds into my account despite receiving confirmation from the sending bank. I believe this hold to be founded in XXXX discrimination practices within the bank, based on several customer service interactions I have had dating back to XXXX XXXX, and the bank continues to refuse to release these funds to my account and evade providing additional information.
Consumer complaint received 2023-06-21
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

sent a notice to rescind the contract on XX/XX/2023 and it also came with a cease and desist. The contract 's full disclosure was not given to me and the contract was made fraudulent by the car dealership. I did not receive any notice saying that my car will be repossessed and my car was stolen from private property on XX/XX/2023. The bank is acting like they gave me the loan but was only the intermediary of the secured transaction.