davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I am writing to express my disappointment and frustration regarding a discrepancy in the promotional bonus that I received upon opening a Business Advantage Fundamentals checking account with Bank of America. I recently opened this account with the intention of taking advantage of the promotional offer associated with promo code PSDCIS, which promised a {$1000.00} bonus upon fulfilling the required criteria. However, upon reviewing my account, I was dismayed to find that I only received {$200.00} instead of the promised amount. 

As a conscientious customer, I diligently met all the specified requirements for the promotional offer, ensuring that I fulfilled every condition outlined in the terms and conditions. Despite my adherence to the terms of the promotion, the discrepancy in the bonus amount is both disheartening and concerning. The shortfall of {$800.00} not only reflects poorly on the bank 's commitment to honoring its promotional offers but also undermines the trust and confidence that I had placed in Bank of America as a reputable financial institution. 

I am requesting an immediate investigation into this matter and a thorough review of my account activity to rectify this discrepancy. It is imperative that I receive the full promotional bonus amount of {$1000.00}, as initially promised. I have attached relevant documentation, including proof of account opening and fulfillment of promotional requirements, for your reference and review. 

Furthermore, I would appreciate prompt communication regarding the status of this inquiry and a resolution to be reached within a reasonable timeframe. As a loyal customer, I expect nothing less than transparency, accountability, and adherence to the terms of the promotional offer. 

In conclusion, I demand the reimbursement of the additional {$800.00} bonus owed to me without further delay. Failure to address this matter satisfactorily will compel me to escalate my concerns through relevant consumer advocacy channels and regulatory authorities. 

Thank you for your attention to this matter. I look forward to a swift resolution and the restoration of trust in Bank of America 's commitment to customer satisfaction.
Consumer complaint received 2023-10-06
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: Maximus Federal Services, Inc. (TN)

AIDVANTAGE, is reporting my account for the month of XXXX XXXX 90 days late on my XXXX, consumer report and a 120 days late for the same time on my XXXX, XXXX consumer report. This error is causing the student loan accounts to report negative.
Consumer complaint received 2024-04-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: COLUMBIA BANKING SYSTEM, INC. (WA)

Umpqua bank will not give me access to my accounts and I've been to XXXXXXXX XXXX in XXXX XXXX XXXX XXXX ca XXXX XXXX was closed the day I went this has been going on for weeks and possibly a month
Consumer complaint received 2023-08-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American Credit Acceptance, LLC (TN)

I made payments to American Credit Acceptance using their online portal to use XXXX XXXX. On XX/XX/2023 I paid XXXX using my debit card and was charged twice. On XX/XX/2023, I paid XXXX, which also was charged twice. At that time I have tried over and over again to communicate with this company to get those payments applied to my account or refunded. I have sent multiple copies of my statements to no resolve. I received an email stating that those funds were refunded to my account which the statements show that they were not. I tried disputing it with my bank in which they told me the merchant said it was paid so no refund is going to be given and the case closed.
Consumer complaint received 2023-08-08
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: Resurgent Capital Services L.P. (OH)

I recently pulled my credit report and seen that several companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my credit report. I had spoke with the XXXX XXXX and XXXXXXXX XXXX because the amounts are inaccurate i never had a card over {$300.00} so i am unsure where the debt oXXXX XXXX XXXX comes from and then i explained that i had been frauded by my XXXX when i was ill then the lady died and all of a sudden i get out the hospital and i have these bills and debt on my credit cards that wasn't used they have a history of not being used to being maxed out. This has destroyed my life! Then the cable company XXXX ran my credit report I had an old account that with another company through a package deal for rental. The representative was supposed to cancel the bill they didn't they ran my credit then denied me, when i never applied for service. Then i have companies that I have not done business with on my credit report account i have never worked at a bank nor had those numbers i have had the same number for 10 years all these multiple inquires on my report where people are having my information ran in the system i keep trying to explain to them its not me the person that committed the fraud passed away not long after the incident in the state of ohio you cant file a police report on someone you know due to the law so it becomes civil
Consumer complaint received 2024-04-19
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO. (NV)

XX/XX/year> & XX/XX/year> I had fallen ill and called in and explained my situation about the pymts might be late, and what we could do about it. I was under the impression that they could move 1 pymt a yr to the end of the note. And when I went to refinance my house to do some upgrades add some XXXX  accessories, the finance company pulled up.these 2 late payments from almost 6 yrs ago. So my loan was denied.
Consumer complaint received 2023-03-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (AR)

After on going account disputes for months, and requesting information on the books and accounting on my loan, I went ahead and did a negotiable instrument to make my payoff. On XX/XX/23 it was process, cleared, title was sent & Lein was released. 

I then sent a conditional acceptance letter on XX/XX/23 requesting total account records, books, any IRS forms filed on my behalf. I sent them all the laws and definitions following what I was needing to see. I gave them 10 days to respond with the information requested, which was not only REFUSED & LATE returned to me, but also IGNORED. I received my conditional acceptance with a letter stating we only accept USD. 
Within the letter I broke down, conspicuously what UCC 3-304 means in a case such as this one. I also gave definitions on any material needed and a proof of claims they needed to prove before going forward with this loan. I put them on notice of dispute several times, laws conspicuously state any debt in dispute can not be attempted to collect until resolved, my dispute was not resolved until seeing the complete books and accounting on my auto loan. 
On XX/XX/23 chase auto charged off my account, failing to resolve, show me the books, resolve the dispute, prove they have not committed any fraud on my behalf, sold my personal information, been paid using my promissory notes, received any funds on my behalf to settle my debt, proved the payment made did not settle my debt, etc. as the entire letter will be attached to review. Next is a lawsuit, as I am sure chase auto will try to get my private property, and I will have to sue for theft, defamation, harassment, identity theft, and fraud.
Consumer complaint received 2023-03-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MI)

I just found out Pennsylvania Higher Education Assistance Agency ( Pheaa ) does not have a license to do business in Michigan. Pheaa has been Revoked from Michigan since XX/XX/2014. The Department of Education canceled Pheaa license as federal servicer. Why did you not tell me this Pheaa?
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (FL)

Sent letters to XXXX through USPS XXXX XXXX asking to remove JPMCB AUTO XXXX XXXX Then I sent another letter XXXX XXXX askjng for proof that they investigated and found the information they are reporting to be true and they havent responded in the 30 days. They havent removed the false information from my credit.
Consumer complaint received 2023-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2023-08-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (TN)

Called XXXX when received a notice they could not find account number in XXXX stated it was not an account of theirs. Also filed an affidavit with XXXX stating was not my account. Also filed a dispute with major credit reporting XXXX on XX/XX/XXXX which also conducted an investigation and came back to the conclusion this was not my account and was Also removed from my credit report. This was something that came up in XXXX midland funding bought this account I was served papers from them XX/XX/XXXX have also called them in reference to this stating it is not my account and they were extremely rude and unprofessional and I refuse to pay something that is not mine. This account was opened fraudulently there is nothing that has been given to or signed by me at all because this is 150 % not mine. There is no information on anything that was sent to me its all redacted out. But this bill is not mine which I have attempted to explain this to XXXX and they refuse to listen.
Consumer complaint received 2023-08-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CULLEN/FROST BANKERS, INC. (TX)

A fraudulent account was opened in my name I've never had any business with frost Bank. Once I received a letter saying an account had been opened I called and reported it as fraud. Now I've received a copy of a fraudulent check that someone cashed on the fraudulent account for XXXX and it had been sent to frost banks loan recovery department. I've spoken with the bank and there recovery department and explained this account was never mine and I've never had business with them.
Consumer complaint received 2024-04-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (IL)

On XX/XX/XXXX i paid {$99.00} to join a monthly membership. on XX/XX/XXXX, the owner of the group informed us she was closing the group and we would be refunded for XXXX payment by XX/XX/XXXX. Once the refund did not show up in my account, I opened a dispute with cash app and provided them a screenshot of the message. On XX/XX/XXXX my dispute was denied.
Consumer complaint received 2023-03-04
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY (NV)

I had a XXXX XXXX XXXX XXXX repossessed by Wells Fargo in XXXX despite having a payment plan set up with them due to financial hardship and owing less than {$2700.00}. The payment plan had been agreed upon and I received no warnings at all. I had been making on time payments since XXXX until the pandemic hit and had a balance left on my loan of only {$2600.00}. I believe my car was illegally repossessed since I had spoken to multiple representatives about the payment plan I had in place.
Consumer complaint received 2023-08-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Royal Pacific Funding Corporation (CA)

Ive had a very confusing time with my mortgage being mishandled. I mailed in my XXXX by mail on XXXX. Royal PacificXXXX XXXX Mortgage lost my payment and didnt process it. 
Also right at that time, I had set up automatic payments which were to state XX/XX/2023. I kept on logging into my account during XXXX and saw no payment was due. 
Then in XXXX when I logged in, I saw that there was an outstanding amount and that the XXXX payment had not been taken out and neither was the XXXX payment applied. And I was marked late for it. 
Upon seeing that my check was still not cashed, I immediately paid the amount owed displayed. I was later told that the online screen only will allow and show one-month payments and recurring payments wont withdraw if there are any outstanding payments owed. 
This is something that was not communicated to me when I set up the auto payments. 
It is not my fault if the mortgage company loses my checks and doesnt process payments and fails to notify me. 
I understand that I missed the payment deadline which has negatively impacted my credit score. However, I believe the servicing of this account has been marred in confusion, since its a new account., I was also given limited information and had both technical and issues that absolutely misled me on the website. In addition, it also had been very confusing trying to figure out who the actual lender is. Also, time and again I tried to login to the Royal Pacific website and it kept on transferring me from one portal to another, and wouldnt let me in. 
I also filed a small claims court against Royal PacificXXXX XXXX Mortgage and there is a $ XXXX judgment pending against them. However, Id be willing to drop this case if the companies remove the late payment from my credit report.
Consumer complaint received 2023-03-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (WA)

On XXXX XXXX, 2023, there were two unauthorized transactions that posted on XX/XX/XXXX from XXXX XXXX and XXXX. Wells Fargo investigated and posted {$550.00} to my checking account on XXXX XXXX, 2023 reimbursing the full amount that was stolen. 

The second unauthorized transaction occurred on XX/XX/XXXX, in the amounts of {$2200.00} and {$1700.00} from XXXX XXXX XXXX. Wells Fargo has DENIED this claim TWICE. 

An unauthorized online funds transfer of {$15000.00} from Savings to checking also occurred. I reversed the transfer myself thus closing the claim. 

A previous debit card was closed XXXX/XXXX/23 due to confirmed fraud. A new card was mailed on XXXX/XXXX/23. It was activated on XXXX/XXXX/23. This card was closed on XXXX/XXXX/23 due to fraud. 

A new card was mailed on XX/XX/XXXX23. This card was closed the same day due to fraud. 

A new card was mailed XX/XX/XXXX/23. It has not been activated and I changed banks because of lack of confidence and incompetence. I Also changed account numbers in this process. I'm not sure of the date. 

At least twice, I received fraudulent phone calls and false claim numbers, claiming to be from Wells Fargo, that were asking for personal information. The banker I was working with at Wells Fargo during the fraudulent activity,, told me I could trust the Wells Fargo person on the other end of the phone call if they were calling from the number on the back of my card. This proved not to be true. shortly after, He no longer works there. I received poor direction in handling this breach on several occasions. 

Wells Fargo has refused to use common sense. My checking and card accounts were fraudulently hacked several times. They are insisting I authorized transactions from XXXX. I need help in returning over {$4000.00} that belongs to me.
Consumer complaint received 2023-08-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (OR)

XX/XX/2023 spoke with Aidvantage XXXX XXXX on issues regarding inaccruate information at XXXX am. He tried to help with dates of when my student loans will be XXXX on my account for student loans forgiveness. Orginally was informed 7 mos it is now 8 mos from XX/XX/2023. My loans were forgiven 100 % per XXXX of XXXX and then I spoke w another rep who asked me when do I want to repay my loans. Informed me interest and charges will accrue. I also spoke with another rep who informed me XX/XX/2023 for final resolution, then was informed I need to request additional documentation from Dept of Education. I spoke with another rep at Dept of Education who informed me that AidVantage has all the paperwork. 

I call every week for updates as I am trying to purchase a home but denied due to the student loan showing on the tradelines. Since my student loans have been sold every time I am not getting direct answers. I want this off my tradelines and showing zero balance due. Also I should not be charged interest nor being requested to repay.
Consumer complaint received 2023-03-04
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. (CA)

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 name : XXXX XXXX XXXX XXXX  XXXX XXXX A Original creditor 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 2023-08-08
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. (TN)

This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.
Consumer complaint received 2023-03-17
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. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-02-11
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: Experian Information Solutions Inc. (AR)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-08-08
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: U.S. BANCORP (NE)

I want to file this formal complaint to ELAN FINANCIAL SERVICE. I sent them a letter last XX/XX/2022, and XX/XX/2022, regarding the inaccuracies in my report such as the date of last activity, date opened, date reported, payment status, incorrect late payments, amounts reflected and etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights have been violated numerous times.15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.