davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (CA)

XXXX letter received that the lease on safe deposit boxes and checking accounts are cancelled with no explanation. Annual fee paid on safe deposit boxes in XX/XX/XXXX. 
XXXX went into branch to withdraw money and items from safe deposit boxes. XXXX XXXX denied the withdrawal. Sent home and asked to call a number - ( XXXX ) XXXX " Compliance '' on the line left a note on account allowing the withdrawal and mentioned that the refund on the safe deposit box will be processed once the account has been closed XXXX lease on safe deposit box cancelled on XX/XX/XXXX per letter XXXX called chase to get refund on safe deposit box. CSR on phone mentioned that they can't process the refund over the phone and need to go to branch for the refund to happen. CSR mentioned that If branch can't process refund, have the branch call them. However, when we arrived at branch, the branch mentioned that we can not receive a refund because the account is already closed and that there's nowhere to refund the fee to. We called CSR, but they mentioned they can't process the refund on the phone ( as we were told before ) but provided no further instructions to the branch on how we can get the refund.
Consumer complaint received 2023-03-29
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. Equifax must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item needs to investigate and correct for erroneous reporting in my file and is listed on my credit report : XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2022-04-04
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: Exeter Finance, LLC. (MN)

I made a payment to what I have left of the loan. I just ask for a statement that says Everything is paid off and there telling me different dates and Exeter Finance say they will send it repeatedly. I have called them more than 10 times to ask for a payoff statement or paid statement and they do not send anything.
Consumer complaint received 2015-07-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc. (IN)

I received a call in regards to making a payment. Made the rep know that I will pay on a certain date. He then stated thank you then hung up the line. Called back made complaint with supervisor. Heard nothing from supervisor and got a call from same company the next day after I made them aware the date I can pay. They can not post date a payment in their system. I then payed the debt and was told that if I sent an email to manager I could get it removed from my credit report because it was reported XXXX days before I made the payment. XXXX emails were sent to response. Made a XXXX complaint it was updated but not removed like I was told it would be.
Consumer complaint received 2022-08-17
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act these accounts have violated my rights. 

1. XXXX XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX - XXXX {$350.00} XXXX. XXXX XXXX BALANCE {$170.00} 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Secllan 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions also have inquiries that do not belong to me. 

1. XXXX Inquired on XX/XX/202XXXX XXXX
Consumer complaint received 2022-01-10
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 (MI)

I made an overpayment to my Bank of America Account. The amount was supposed to be {$2000.00} but i made it for {$20000.00}. I tried to stop this payment when i realized the mistake and was told by Bank of America that i could not stop it and had to wait until the payment cleared and then request a credit. My account was adjusted ( debited ) on XX/XX/XXXX for a credit back to my original form of payment, and I still do not have this money back into my XXXX XXXX XXXX. 

I have been following up on this every day since XX/XX/XXXX and being told many inconsistent policies by Customer Service and inconsistent dates for when I will have my credit back. 

I was originally told it would take between 5-7 days after I request the credit to receive the money back.

After the 7 days passed, I was told it was 30 days and was told no one should have ever told me 5-7 days. ( At this time i started documenting the days i was calling and what i was being told ). 
Then on XX/XX/XXXX I was told it would be about 2 weeks from that date. 
Then on XX/XX/XXXX I was told I would have it in my account on XX/XX/XXXX. 
Then on XX/XX/XXXX I was told I would have it on XX/XX/XXXX. 
Then on XX/XX/XXXX I was told it was pushed out for review again until XX/XX/XXXX. 
It seems like every time I called it was being pushed out, at least that's what I kept being told. 

I finally reached out to the Corporate team after that and it is now XX/XX/XXXX and I still do not have my money and no one can give me a concrete answer of where my money is and why it has not been credited back to my original account. All I keep being told now is that it is being reviewed by the review department, but no one can contact that department and see exactly where the hold up is. I am beyond outraged that my money is being reviewed for some reason for a decision on wether I am getting it back or not? 

I am beyond stressed and upset about how many phone calls I have had to make so far, calling every day, being on the phone for at least XXXX hour each time, sometimes with 3 Representatives per day and without any resolution. At this point I feel that I am being lied to by everyone at Bank of America that I have talked to, and I need my money back and have no clue of how to get it back. I have followed all their processes.
Consumer complaint received 2023-07-25
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. (FL)

I sent a letter to the XXXX and Equifax Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$12000.00}.
Consumer complaint received 2023-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP (AZ)

Just today I discovered that m US Bank card is applying my payments toward the following months ' balance instead of applying it toward the overdue balance this month, Because of this policy of theirs, my old balances can continue to increase and accrue interest at a high rate and my interest payments will grow higher until the ever increasing upcoming debts ( plus the excess interest charges ) are paid in full. 
This policy avails them the opportunity to bump up their profits as they encumber me with an unfair disadvantage during times that I have excess bills. 

Why should I have my money applied toward future balances that aren't yet due? I need to catch up on the older interest first, otherwise I'll continue to be overtaken by runaway interest on the older debts as my financial strength to pay off new debt diminishes. 
So newer debts more easily accumulate as US Bank continues to ignore more aged debts that advance me into further arrearage. 

I thought banking laws prohibited my payments from being applied in this way, as to weaken my position as a debtor as the banks capitalize on this. 

On the due date of XX/XX/XXXX, I owed them {$1500.00} and I made a {$50.00} minimum payment on that date, then made 2 other payments of {$600.00} each on the XXXX of XXXX. I was about to make a {$200.00} payment today ( XX/XX/XXXX ) when I found my 2 {$600.00} payments were not counted toward this debt, but toward the next statement due XX/XX/XXXX, which I haven't received yet. 

So far I've talked with an employee and a supervisor and they were unable to make an adjustment in crediting my payments toward this month. At this time I'm now waiting for a " manager '' to call me back. Doubtful the manager will credit my payments otherwise.
Consumer complaint received 2023-03-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paypal Holdings, Inc (OH)

I have a Venmo account. A person unknown to me, XXXX XXXX, accidentally paid me significant amounts of money 3 times : {$430.00} on XX/XX/23, {$670.00} on XX/XX/23, and {$650.00} on XX/XX/23. After each payment he sent a message saying it was a mistake and asking me to return the money, which I did immediately. My venmo account shows I returned the funds. Nevertheless, he initiated a dispute via his credit card. As a result, venmo took {$78.00} that was in my account and is charging me {$1000.00} to satisfy what they claim is a debt I owe. 

I have attempted to resolve this via emails and phone calls with venmo to no avail. Most recently I learned that apparently the payment of {$650.00} on XX/XX/23 was not disputed ( because they could see I paid him back ). The payment of {$430.00} on XX/XX/23 is apparently still under investigation and could take 75 days and is up to the credit card company, not venmo. The payment of {$670.00} on XX/XX/23 has been resolved in favor of XXXX XXXX and per venmo, they can not do anything further because it was initiated by a credit card company. I have asked for information about the bank, the CC, or XXXX XXXX so I can contact any of them directly to resolve the dispute but they provide no contact information for anyone.
Consumer complaint received 2021-07-22
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I requested that the company send me the requested information below within 30 days. The company failed to provide the information within the alloted time. 

1. Please state the name, occupation and mailing address of the person answering the following questions. 

2. Please furnish a copy of the contract which your company has with me in regard to this alleged debt. 

3. Please identify what you loaned to me. Did you loan me cash, credit, or a debt instrument? 

4. Please produce the account and general ledger statement showing the full account of the alleged obligation that you are now attempting to collect, verified ( sworn true, correct and complete ) by the party who made the entries.

5. Please identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt. 

6. Please verify under penalty of perjury that as a debt collector, you have not purchased evidence of debt and are proceeding with collection activity in the name of the original creditor.

7. Please obtain verification from the original creditor, under penalty of perjury, that the creditor did not receive reimbursement from its insurance company in an amount exceeding the amount of the alleged debt, as is the customary policy of lenders ; or in the case of an alleged criminal judgment, verify via the courts fiscal office that the court was not reimbursed by an income stream resulting from the sale of bonds in the defendants name, as is the standard practice of courts.

8. Please verify under penalty of perjury that you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause with impunity.

9. Please verify under penalty of perjury that you know and understand that credit card contracts are a series of continuing offers to contract and as such are non-transferable.

10. Please provide verification from the original creditor that you are authorized to act for them.

11. Please verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing which you know is false with the intention that others rely on the written communication to their detriment.

12. Please verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes acceptance of my contract terms to pay me consulting fees of {$10000.00} per letter and {$10000.00} per phone call.

Disputing the debt, By __________________________ Agent without recourse
Consumer complaint received 2023-01-13
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. (VA)

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 XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX ; XXXX XXXX Balance XXXX {$1200.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$4900.00} ; XXXX XXXX XXXX Balance : {$6300.00} ; XXXX XXXX  XXXX Balance : {$460.00} ; XXXX XXXXXXXX Balance : {$6200.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/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 2022-12-01
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: Experian Information Solutions Inc. (OK)

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. 
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 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 vears.

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 2017-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

I went to buy a car at XXXX XXXX about 8 days ago. Now I have purchased several cars in my past and after my report gets pulled several lenders look at the report but it only gets pulled XXXX. Well I check my report extensively and they did XXXX hard inquiries on my credit. The last time I went to XXXX XXXX XXXX 6 months ago to buy my last car it got pulled XXXX time only but I got several offers. This is beyond unacceptable as this now hurts my credit for 2 years plus. This can not be right to do to someone as they just kept repeated to pull my credit???
Consumer complaint received 2021-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

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 XXXX 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 2019-07-18
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. (FL)

The XXXX company deleted from my credit report an account that lacks specific information and is even incomplete and after 15 days put it back without sending prior notification, this is a serious violation of the FCRA since they should have notified no more than 5 days of doing this in writing before proceeding to report the account again. in my credit report. 

Another point is that they automatically opened without my authorization a dispute of the reinsertion without my authorization making it happen as if I had done it.
Consumer complaint received 2021-02-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Allied International Credit Corp., (US) (FL)

Received a letter from Allied International Credit Corp, XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX phone XXXX making a demand for {$160.00} owed to XXXX. 
I contacted XXXX and received a reply stating no amounts are due to them by me. 

XXXX  has received similar complaints which evidences a scam being perpetuated by this organization. 

The company shares a location with a law firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
When I contacted the law firm they were evasive about any connection.
Consumer complaint received 2019-11-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Oh or about XX/XX/XXXX I deposited a check into my Bank of America account from my credit union account. The check was for {$3000.00}. 

On XX/XX/XXXX, the credit union process that check and the money went to Bank of America. BANK OF AMERICA XXXX said the funds would not be available until XX/XX/XXXX. 

I called customer service and was told that as soon as the money came through it would be made available anytime between the day I called which was the XXXX until XXXX XXXX. 

I then went to the bank and attempted to access the {$3000.00} and was told that I should go to the credit union and have them cancel the check and give me the cash and then come and deposit the cash. This happened today. 

The credit union Prepared a statement for me saying their money had been transferred to Bank of America and they were unable to cancel payment on it. 

An employee at Bank of America told me that the manager has the discretion to override holds on checks. When I return to Bank of America they said theres no way that a manager could release any part of the funds that were on hold and that I would just have to wait till the XXXX. I was also informed that there was no one higher to whom I could appeal to secure some or part of my money. 

The employees were very nice But reiterated they were unable to help me. So, here I am no money in the credit union and no money in Bank of America and {$3000.00} floating somewhere. In the meantime I am missing payment deadlines and accruing interest on bills.. 

I have been a customer of BANK OF AMERICA since they were Nations bank and maybe even before then. I have had loans and paid them off, two house mortgages and paid them off, and a strong supporter of this bank in the past. 

{$3000.00} is a lot of money for the bank to hold onto for almost 2 weeks. It came from my credit union account and as always I have deposited checks via mobile deposit into Bank of America. This is the first time I have encountered them holding onto my funds without allowing some access.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In XXXX of XXXX I reached out to XXXX XXXX XXXXe letting them know that XXXX XXXX XXXX XXXX XXXX XXXX brought my car and I was no longer the owner of the XXXX XXXX XXXX with XXXX # XXXX in which was traded on XX/XX/XXXX. XXXX XXXX reported to XXXX, TransUnion, And XXXX that I was 30 days late on my payment in which this reporting is inaccurate, I have always been in " good standing '' with my auto loan with ally finance since buying the car and I want this reporting deleted and or updated to on time payments and " Paid as Agreed '' because it is not acturate please update this admittedly on my credit report.
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

The address of XXXX XXXX XXXX XXXX XXXX IL is listed on my credit report and this address does not belong to me. My sister and mother moved out of my apartment and changed the address of their mail ; and for whatever reason my address on several accounts were changed to my sisters & mothers forwarding address. 

Experian is the only CRA who refuses to remove this account others have done so after seeing usps were at fault for this mistake ; when contacting businesses who bare this address they also state usps gave them this address not me. 

This CRA wants me to state this is fraud which its not its just the United States postal service forwarded the wrong mail cause we share the same last name. I share the same last name and same first name as my mother so I had mail going to two different address other CRA have removed the address cause it was XXXX fault not mines