davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I had inadvertently pre-paid outstanding credit card loan in the month of XX/XX/XXXX, however the term would be expiring in XX/XX/XXXX, the amount is considerable. When I realized this error I immediately contacted Bank of America and the associate assured me that it will be credited in the next statement cycle i.e. in XX/XX/XXXX. When this did not happen I again contacted and was assured that by XXXX XXXX, it will be credited. Today I find it has not been done. 
The last associate today i.e. XX/XX/XXXX advised me that " bank is investigating ' in this matter and can not tell me when it will be refunded, that I was misinformed by the previous associate over phone! Sir, they have to ascertain if amount was debited from my checking and credited to respective credit card account and then make good the whole process. I repeatedly told this and asked what is the 'investigation. ' He did not say anything. The fact is bank is sitting over not only my money but on millions belonging to people like me. If I fail to pay bill late even by one day, the system charges {$35.00} and only one transaction during 18 months ( previously it was 12 months ) could be refunded. Whereas these people are shamelessly not paying my money. The banks have become modern day shylocks and we can neither protect our blood or flesh. This is most unfortunate for an average American citizen who has to bear the evil! The reference number given to me is XXXX. Please help me. Kindly also ascertain if such delaying methods are justified morally, socially and legally-although I am aware the word 'morality ' does not apply to banking, it is a policy not a virtue subject to fine prints! Thank you..there is someone to hear in wilderness..
Consumer complaint received 2021-01-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

It has come to my attention that i have been a victim of Identity Theft for a few years now. ( XXXX XXXX  ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX  ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!
Consumer complaint received 2021-10-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (DE)

Hello, My name is XXXX XXXX I recently purchased a cashiers check from the XXXX and XXXX location in XXXX De, the fee was {$8.00} the amount was XXXX written out to XXXX XXXX  I was informed I needed 2 separate cashiers check to go back to chase I went Tuesday XX/XX/12 the same teller had me sign the cashiers check her manager XXXX whos the branch manager came over wrote on the check not used for intended purposes and told me my funds would be available the next day. Today is that the funds are not available I was told to call XXXX option XXXX cause it was hold on the cashiers check they would remove it, I waited on hold 1hr and the representative got back on and said my account is being restricted and closed not sure no answers and the branch hasnt returned my call. These funds was for me to close on a property yesterday and I really need the balance no one could give me any reasons and at this point I just want my funds released and to be done with chase. I was at the Branch on Tuesday for 40 min while the branch manager XXXX attempted to assist me and today I spent an hour on hold to be told My account is being closed. Please help this is holding my funds hostage. 


XXXX XXXX Sent from XXXX for XXXX
Consumer complaint received 2021-01-02
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC (NJ)

I had a rough start, I was in the middle of a financial hard ship and chose to pay rent over my car. But I was working hard and catching up on my payments as fast as I could. Ive attached a copy of my payment history ( westlake financial sent me ). Ive been treated very wrongly and accused of not paying my bills on time yes they were half right but unfortunately I was going through a hardship in transition with Getting a new job, a better job to able to pay my car note. 

Every customer service representative has told me my first payment was suppose to be on XXXX. XXXX ( I called to switch the date to the XXXX Of each month because it was easier w/payday ) If you look at the account, my first payment was in XXXX. I dont understand how no one can see that this payment is reflecting on my payment history. YES! I was behind two months but in the month of XXXX I paid {$1000.00} to get my account in good standing ( no late charges ) Considered that I was still 30 days behind ( XXXX payment still reflecting on my account ) I received an extension to move the payment back. With that extension {$220.00} was still owed which was paid with a little extra ( {$350.00} ) my account was in the green. Therere 3+ payments that were made but not accounted, I have dates and confirmation numbers from the bank and from 3rd party payment options. 

this was greatest accomplishment the next step was to go back to school but with that vehicle at the time I was XXXX just barely getting to work. Youll see in my payment history I was late at first but I managed to work hard and come up with the money to still find out the vehicle was repossessed and that XXXX payment was still reflecting on my account showing I was 30 days behind when I wasnt. I will be going to the media with this information to tell them and explain to them how your customer service reps dont know how to talk to anybody or wont even take two minutes to look at the account and realize that someone messed up. Take accountability for this little messed up and fix it I was stressed overworked always worrying if my car was going to get repo Road when in reality I was in great standing and the only payment that was due was XX/XX/XXXX for {$400.00} ( look at the payment history attached ) the vehicle was repossessed on XX/XX/XXXX. I tried to call and tell them I get paid the XXXX and it would be for the full amount of {$400.00} it was to late the vehicle was gone and set to be sold ( XXXX ) the vehicle wasnt sold until XX/XX/XXXX. My vehicle should never have been repossessed I provided all documentation proving the money was sent and I was caught up on payments Until XX/XX/XXXX payment. there was no late fees attached to any monthly payment dues the remaining balance wouldve been taken care of on XX/XX/XXXX when I got paid.
Consumer complaint received 2021-01-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NY)

I continue to be unsatisfied with Citi 's prior charges-related response on their XXXX debt protection program fees. Even though this was subject to a consent order ( including paying mandatory prior period refunds ) in 2015 with the XXXX  they have refused that refund. The refund request was reasonable and the reply I got simply said I purchased on XXXX XXXX with no mention of consent. I do not believe I ever consented in any form to these charges. I am convinced they have failed to follow the consent order with my account and am still pursuing the applicable refund. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-01-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am very stressed out and please accept this letter because it is very important for me. This inaccurate information is destroying my report! I hope we find mutual understanding and you will remove and recheck wrong accounts in my credit report. I would like officially to complain about as I do not recognize these accounts and inquires I have never gave any permission to any companies. Its pure Identity theft.
Consumer complaint received 2021-10-13
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-03-13
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. (NY)

As a vigilant guardian of my own privacy, I invoke the power vested in me by the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) to address the violations concerning my personal information. The FCRA, under 15 U.S.C. 1681 section 602 ( a ), mandates consumer reporting agencies to handle their significant responsibilities with fairness, impartiality, and respect for my right to privacy. XXXX and XXXX, as consumer reporting agencies, must heed this directive. I assert my right to ensure that my private information remains confidential, a right that is fortified by 15 U.S.C. 6801, which clearly states that financial institutions have an ongoing obligation to honor the privacy of their customers. The entity that furnishes information to credit agencies falls under this definition and thus, is bound by these laws. Furthermore, 15 U.S.C. 1681 section 604 ( a ) ( 2 ) specifies that a consumer reporting agency may furnish a report only with my written consent, which neither XXXX, XXXX, transunion nor the furnisher of information has obtained from me. I hereby revoke any form of consent previously granted, whether verbal, non-verbal, written, implied, or otherwise. The law is clear in 15 U.S.C. 6802 ( b ) that a financial institution can not disclose my nonpublic personal information to a nonaffiliated third party without informing me of my right to nondisclosure, a right that was never presented to me. Moreover, 15 U.S.C. 1681C ( a ) ( 5 ) prohibits the reporting of any adverse information older than seven years, which includes the account in question. This is a violation of my legal rights, as there is no permission granted on my part for such reporting. The accuracy of information is paramount, as stated in 15 U.S.C. 1681s2 ( A ) ( 1 ) ( A ), which forbids the furnishing of information to consumer reporting agencies if it is known or suspected to be inaccurate. XXXX and XXXX failure to maintain reasonable procedures, as required by 15 U.S.C. 1681e, to prevent such violations further compounds the issue. Lastly, in accordance with 12 CFR 1016.7, I exercise my right to opt out of your reporting services at this time. My privacy is not a commodity for trade, and I demand the respect and confidentiality that is rightfully mine. Please be advised that this notice of my rights has been issued to you multiple times and has been met with disregard. This persistent neglect is not only disrespectful but also a clear breach of the legal obligations outlined above. I insist on immediate compliance with these regulations, and any further inaction will be met with the necessary legal recourse to protect my rights.
Consumer complaint received 2023-03-07
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. (KY)

In accordance with the Fair Credit Reporting act XXXX  account 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 : also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-10-13
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: EQUIFAX, INC. (NJ)

XXXX continues to report a fraudulently opened credit card on my credit report, regardless of me telling them verbally and also in written letters multiple times that the account does not belong to me. They sent me a letter earlier today stating that they " believe '' the account belongs to me and is reporting correctly on my report. They have consistently cited that payments were made by " me '' on the account from a bank account, however, this alleged bank account does not belong to me at all. I've told them to provide me proof that this bank account is mine to from which these payments were made. They believe this is my account solely based on the fact that payments were made and questioned me as to why this happened. I am unable to know what is on the mind of a criminal and why they did whatever they did but that does not obligate me to this debt, it is in fact fraud. Instead of investigating this comprehensively they continue to defame my character by continuing to report this and refusing to remove this account from my credit report. The latest dispute only taking two days for them to verify. How can someone do a thorough investigation after only two days. I also blame the bureaus for allowing this to continue the way it has. After my recent dispute Equifax dropped my XXXX score 51 points for no other apparent reason other than them putting a remark on the XXXX account that it was being disputed again. This seems to be a decision that was made in retaliation for me continuing to dispute this account. 
After multiple months of fighting with them I am forced to file a complaint due their negligence in validating this account accurately. This defamation has caused me to not be approved for credit cards and is currently stopping me from applying for a mortgage this needs to be removed immediately. I have also filed a identity theft report with the FTC.
Consumer complaint received 2022-11-01
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. (IL)

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX # XXXX, 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
Consumer complaint received 2021-10-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

Our mortgage is very delinquent. My husband got even further behind during my incarceration. I began incarceration on XX/XX/XXXX and just returned home on XX/XX/XXXX. I am now working two jobs and we will be able to comply with the mortgage payments going forward. The loan modification that my husband applied for while I was incarcerated was recently denied. I advised that my income was not included in the evaluation. I submitted an appeal and provided proof of income for both of my jobs. I seek to obtain a loan modification and not loose our home.
Consumer complaint received 2021-10-13
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IN)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-10-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (OH)

l am who I am the natural person and consumer and applicant in fact. I have applied on numerous occasions to get credit cards from this institution to use for personal, family and household purposes. I have been violated, disrespected and denied numerous times for various cards when in fact I am the original creditor and I tendered a negotiable instrument and I extended the credit pursuant to 16 cfr 433.1, 16 cfr 433.2, and 16 cfr 433.3. This institution has committed federal violations under the equal credit opportunity act, and the fair debt collection practice act. This company also blocked my account to prevent me from using my card and failed to make it open ended.
Consumer complaint received 2022-11-01
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)

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2021-10-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XXXX XXXX My son asked me to cosign on an auto loan. We went to XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX and signed the paperwork Myself the cosigner and my son the primary borrower. As seen on documents provided by Capitol one XXXX XXXX XXXX XXXX XXXX TX XXXX. Within a week the loan appeared on my Capitol One account showing me as the primary borrower. This was not what we agreed and signed. The dealer was well aware that I was only the cosigner. When I noticed the mistake I contacted the dealer and thy assured me that it would be taken care of. After nothing was addressed I called Cap one and was told that there was an error and it would be fixed.. This went on over and over a 2 month period. Then Cap one put the blame back on the dealer and the prof that was sent, inc documents proves that Cap one was to blame, probably to make a profit. For the past year I have been working with the XXXX  to try and right this.
Consumer complaint received 2021-10-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (CA)

On XX/XX/2021 I spoke with a loan re for Amerisave Mortgage, a subsidiary of XXXX Mortgage, I believe. 
The loan rep I was dealing with XXXX XXXX, told me that I had to give them a non- refundable deposit to secure my refinance with Amerisave. I spoke to another lender shortly after and he told me that I never needed to give them any money up front to secure my loan. When I heard this I e mailed her on Monday, XX/XX/XXXX, that I wanted my loan cancelled and I wanted a refund of the {$500.00} dollars I had sent Amerisave. She told me she did not think I would get the money back since it was NON REFUNDABLE.

Isn't there required to be a 3 day right of recission and don't the loan guidelines prohibit non refundable monies, especially when you cancel the loan within 3 days?

I find this to be predatory lending practice and that is why I am reporting it. 
I would like your help to secure the return of that {$500.00} to me.
Consumer complaint received 2021-01-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

Hello. 

My mom passed away in XXXX of XXXX. Her boyfriend ( who shared a joint account with my mom ) took funds out of my moms account at XXXX XXXX and I was issued a cashiers check in the amount of {$60000.00}. I deposited that check into my Chase account to pay for my mothers funeral. In XX/XX/XXXX, my Chase account was frozen ( or restricted, theyve used both terms ) because they found the cashiers check I received to be fraudulent. XXXX XXXX ended up issuing me another check later which was received and not flagged or anything. Since they had issued me the amount of {$60000.00} twice, they wanted {$60000.00} back from me. 

On XX/XX/XXXX, my Chase account showed a withdrawal of {$12000.00}. Through a series of phone calls I discovered this was money being paid back to XXXX XXXX for the {$60000.00} I owed them. XXXX XXXX then contacted me and I was told I still owed them {$47000.00}, the difference from the {$60000.00} check after the {$12000.00} had gone to them. I understood this. I was told once XXXX XXXX received these funds, they would contact Chase to let them know the restriction could be lifted and the balance in my checking account could be released back to me. 

I issued XXXX XXXX a check for the full amount owed ( {$47000.00} ) on XX/XX/XXXX. The representative Ive been speaking to at XXXX XXXX confirmed my check was received and processed on XX/XX/XXXX. Since then its been a series of back and forth calls, dead ends, and lack of explanation as to why I cant close my Chase account and receive the balance left in my checking account. XXXX XXXX told me they have no holds on my Chase account, that theyve marked the issue as resolved and that I need to talk to Chase. Chase tells me that my account is still restricted and that XXXX XXXX needs to contact them in order to resolve the issue. I dont know what else to do at this point. 

Please let me know what other information I can provide. I have {$9400.00} in my Chase account that I need issued back to me, and Im desperate to close this account so that I never have to deal with Chase bank again. I appreciate in advance your help with my situation.