davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I have repeatedly asked Bank of America to cancel the two {$30.00} stop payment fees on two checks each one for {$54.00}. I went to its branch in XXXX, New Jersey. I spoke at length to the branch manage in XXXX, New Jersey who was none to friendly or kind. It is unjust and usurious to charge me {$30.00} to stop a {$54.00} check! The branch manager said " We do not have a sliding scale. '' Ridiculous! The Bank of America should. Am I to be told that there would be a {$30.00} stop check fee for a {$5.00} check? Or a {$30.00} fee for a {$2.00} check? 

Furthermore, the two checks were to the a court of law that failed to process the check and so I cancelled payment of the checks! 

I am willing to pay something but not {$30.00} per check and I made that abundantly clear repeatedly to the branch manager who paid me no mind! 

Outrageous! 

The Bank of America may not cancel my accounts because of my complaint as that would be obstruction of justice and interference with the administration of government. Both are felonies under the law! 

XXXX XXXX, XXXX. XXXX. 
XXXX XXXX  XXXX ( XXXX  )
Consumer complaint received 2015-05-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Capital Markets Cooporative, LLC (GA)

I have had a mortgage on my current house and has always been on automatic draft out of my checking account. My mortgage company paid my county TAX bill late ( -- even after several phone calls to them advising them I was receiving late notices ) -This caused my county ( XXXX ) to put a tax lien on my credit report and now I cant get them to correct it. This has hurt my credit rating and I have dropped from an Excellent rating to a Good rating. I have made many documented phone calls and emails to CMC Funding/XXXX will not do anything to correct the situation. I have notified the XXXX XXXX agency and CMC Funding/ XXXX XXXX and nothing has been done in over 2 months. They have paid my Tax Bill late 2 Years in a Row and have not taken the issue seriously. The lack of response has been pathetic. Please Help
Consumer complaint received 2024-02-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NJ)

I was approached by a person online who befriended me with the hidden motive of stealing. 
my funds. He invited me to a Bitcoin options trading website. Our communication afterwards moved through XXXX where they showed me how to make money using their fraudulent platform. All of the funds I wired to XXXX came from WF. Given that I have no previous involvement with cryptocurrency, I expected you to be their for me since I had no way of knowing that I was actually getting scammed. This entire situation resulted in me loosing XXXX USD of my hard-earned funds to these criminals.
Consumer complaint received 2024-02-19
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Maximus Federal Services, Inc. (TX)

Back in XX/XX/XXXX, I submitted a forbearance request with the dates to start XX/XX/XXXX and end XX/XX/XXXX, which the forbearance was approved. Some loans totaling {$42000.00} was approved XX/XX/XXXX and forbearance resumes on XX/XX/XXXX. The rest of the loans were approved XX/XX/XXXX and resume on XX/XX/XXXX. Now they are stating that the loans are due XX/XX/XXXX. I have been asking where this date came from, when I just applied on XX/XX/XXXX to see if the forbearance could start on XX/XX/XXXX through XX/XX/XXXX due to finding a place to live. No one can explain how these dates are changing. They are saying that the dte can't be changed. But yet, I applied for forbearance back in XX/XX/XXXX and submitted another one and the date was updated to start XX/XX/XXXX and end XX/XX/XXXX. I didn't realize that I did it early. I just went by the correspondence that was sent to me that the loans were coming up to be due XX/XX/XXXX. I have been getting the run around with Aidvantage and these dates, which is holding me back from finding a place to live. Yet, Navient has my loans in forbearance until XX/XX/XXXX, because I applied for forbearance the same time I did Aidvantage.
Consumer complaint received 2022-05-23
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. (PA)

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions XXXX XXXX XXXX in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2022-05-23
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. (PA)

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2024-03-11
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. (NJ)

I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error. The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didnt pay and was marked late because this clearly a billing error. The items below should all be updated to paid as agreed on my consumer report. XXXX XXXX Late payments incorrectly reported between XX/XX/XXXX, XXXX late payments incorrectly reported XX/XX/XXXX, XX/XX/XXXX, XXXX and XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As a consumer by law these accounts in this letter must be updated immediately because Ive been violated. Consumer laws 15 US Code 1681a, 15 U.S Code 1681s-2 Responsibility of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. You are also in violation of 15 US Code 1681a 2 ( A ) ( i ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s-3 of this title, any report containing information solely as to transactions or experiences between the consumer and the person making the report.
Consumer complaint received 2023-04-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MUFG AMERICAS HOLDINGS CORPORATION (CA)

I opened a checking account at Union Bank  in XXXX XXXX California. I deposited. a check the following week. A week after that I went in to get money as was told they would not release the funds for XXXX  days. I don't remember XXXX XXXX telling me that it was bank policy of the bank to hold a check for a month, I checked all of the collateral that she gave me and there is nothing there stating the monthly hold. In fact they say they take about a week to turn around checks.The manger XXXX XXXX would not help me with my pin or even listen to me. I swore at him and he called the police. I was told that if I entered the bank I would be arrested for trespassing.
Consumer complaint received 2022-05-23
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. (TX)

FCRA violations : inquires not mine XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX On record XXXX XX/XX/XXXX FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1400.00} Status Collection account. {$1400.00} past due as of XXXX XXXX. 
XXXX, XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$4800.00} XXXX XXXX account. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$360.00} XXXX Account charged off. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX Resident XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, TX XXXX FCRA violations : not my names XXXX XXXX XXXX XXXX
Consumer complaint received 2018-09-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Loan Number : XXXX Property Address : XXXX XXXX XXXX XXXX GA XXXX To whom it may concern, We have a mortgage loan with CHASE which is currently in arrears and in a foreclosure status. Weve lived in our house since XX/XX/XXXX and since we had different lenders since the purchased of our home ; XXXX XXXX, Washington Mutual and now CHASE. We had a perfect payment history until XX/XX/XXXX when my mother became ill. We were both grateful to CHASE for approving us for a loan modification. However, other set of circumstances occur and caused us to stay behind on our mortgage payment once again. I contacted CHASE regarding the changes and current situation CHASE representative ( s ) offered to review us for a loan modification for a second time in XX/XX/XXXX. After sending all the require documents I was told that because its been less than a year time frame since we were last approved for a loan modification a 2nd review will be denied, and a foreclosure sale date was placed in our home on XX/XX/XXXX. we were both scared and ran out of options that we had no choice but to file bankruptcy. I am a XXXX XXXX XXXX I assist with XXXX XXXX and my husband is a XXXX XXXX XXXX we dont want to lose our house. We have a foreclose sale date on XX/XX/XXXX and we are not getting any assistance from our mortgage company. CHASE representative said we can re-apply for a loan modification, but it will be after our sale date as the year will pass since last review. We are both hardworking individuals and are financially stable now and are asking that our foreclosure sale date gets postpone and allow us time for CHASE to allow us to pay them what we owe them.
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

The dates are reporting different on my credit report XXXX account # XXXX XXXX15 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 has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-05-23
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. (TX)

FCRA violations : inquires not mine XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record XXXX XX/XX/XXXX FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1400.00} Status Collection account. {$1400.00} past due as of XXXX XXXX. 
XXXX, XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$4800.00} XXXX XXXX account. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$360.00} Status Account charged off. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX FCRA violations : not my names XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-23
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Local Management, LLC (GA)

My name is XXXX XXXX. I am filing a formal complaint against Local Finance in XXXX XXXX Georgia. I have been utilizing this company since 2020 I recently renewed my loan at this company in XXXX of this year. I have payed this loan down the amount unknown right now to the amount of c. $ {$250.00}. They informed me that I can renew this loan but when they told me that I can only receive {$40.00}, I became suspicious ; and called the branch manager. I asked her why I was paying a high interest rate despite the fact that I have payed off numerous loans with this company. She then said that she does not know ; and that I have to have 4 loans at the same rate for them to increase my payment from XXXX to XXXX. Also I asked her why my loan is not being reported to the credit bureau. She then said that they have switched over to a different company and that its not being reported because of this reason. After a little time she then said that the reason that the interest is high is because they are a short term lender. I feel that I have been forced into some of the loans that I have taken out. The reason that I say this is because I tried to pay my loan off in entirety and a worker there informed me that she just had someone post off their loan and I need to wait wasnt just pay it when it comes due. Which makes no sense given the fact that its not being reported on my behalf. I need this to be looked into further. If possible to be reimbursed in full if there is any malpractice. 

Thanks, XXXX XXXX XXXX
Consumer complaint received 2022-10-13
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. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 


We've talked to the bank & they've agreed to update the account. BUT TransUnion has some internal block which they're claiming they can use to not update the account because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXXDOFED XXXX Date Opened : XX/XX/2016 Balance : {$24000.00}
Consumer complaint received 2023-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2022-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I recently filed a complaint, your ID number XXXX. 

The investigation for this account on my credit report has exceeded the 30 days allowed for investigation. I have attached the images below confirming when my original letters were submitted to all 3 Credit Bureaus which confirms the dates of receipt. 

Per the FDCPA, under law, if a credit reporting agency fails to complete an investigation within 30 days, the account/and or trade line must be removed. 15 U.S. Code 1692g
Consumer complaint received 2022-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc. (MD)

Out of my XXXX student loans, XXXX are XXXX. First, when I applied for student loans at XXXX, they told me that the ffelp loan was the only federal loans Available for me when in reality there were direct student loans from the government that I find out about XXXX years later. 
XXXX XXXX XXXX, and XXXX took advantage of me. Have me misleading information. Steered me into options which were not in my best interest. 
Finally they did not honor terms like Covering the interest on federal subsidized loan when I was a XXXX XXXX XXXX. Ive never had a late payment of my loan in my entire life. 


They manipulate me onto the loan. 

Second, over there years Ive tried to get the loans consolidated under the government program but they told me the only consolidation loans I qualified for were not eligible for the government loan forgiveness after 25 years of payments. In reality that was a lie. 

Third, they told me my only options when I was unemployed and still enrolled in college seeking my degree full time, was to defer my loans. It was many years before I found out about the {$0.00} payment. Thus I should be 14 years into a payment plan that would have been forgiven in 10 years. My loans could have been forgiven but because they steered me into putting my loans into forbearance instead of what was in my best interest XXXX, the XXXX entities did not properly counsel me when. Is was a naive teenager. Now I owe {$85.00} XXXX in debt when my original loans were approximately {$35.00} XXXX. 

XXXX, XXXX out of my XXXX loans serviced by navient were incorrectly reported as XXXX days late and XXXX mo th unpaid for XXXX, XXXX, and XXXX, XX/XX/2021 when they In a forbearance due to COVID. Plus I had already applied to Renew my income based repayment plan.they confirmed over the phone all of my account Would be in forbearance until my repayment plan was reviewed and renewed. 

I found out about this by a sudden drop of my XXXX XXXX for XXXX to XXXX. 

After many attempts to solve this with XXXX and XXXX disputes with the credit bureaus, Ive managed to get some of the incorrect data off, but XXXX, XXXX, and XXXX still show incorrect. XXXX now shows current but on all three credit reports, they refuse to take the note of 120 - 150 days late. It doesnt make sense logically, How can it be be 120 - 150 days late if they are reporting only 3 months behind. 

Honestly I think they need to forgive at least these XXXX loans because if XXXX were honest, I would have qualified for them to be forgiven by now. They definitely need to report XXXX, XXXX, XXXX correct and no days late. I was tripple covered by the automatic Covid forbearance. I had requested a covid forbearance first. Then later, but before XX/XX/2021, I called XXXX to asked to renew my repayment plans and they gave me a verbal forbearance while my application was reviewed and awaiting renewal.
Consumer complaint received 2022-10-13
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. (WA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.