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

I am submitting this complaint because the account I requested an opening for was not properly managed, and I have lost thousands of dollars of interest I would have gained on my investment if the account opening were managed properly. This was a case where a ) my account type opening was not honored, b ) the upsale of the financial product that I was sold was not clearly indicated, and c ) the bank representative clearly took advantage of the fact that I could not speak perfect English despite understanding how financial products work. My daughter is writing this complaint for me on my behalf to relay the problem in clear English. 

In XX/XX/year>, I went to a Bank of America branch to open a Money Market account. The bank branch representative indicated that a XXXX XXXX account would yield approximately 5 % in returns on my initial deposit. As a result, I opened the XXXX XXXX account and made the minimum initial deposit requirement for this account. Afterward, I had gone on vacation for approximately 5 months. Upon my return, I saw that I did not receive the monthly returns that I should have received on my deposit. 

When I called and visited the branch numerous times to get this resolved with the representative, they told me that this was a Cash Management account that required the transaction to be done myself. This information was not provided properly, and when I requested that the interest on my deposited balance be retroactively applied, the bank indicated that they would not be able to do so. If the representative had just opened a Money Market account as I'd requested, I would have been able to receive the interest on my deposit. 

This is clearly a case of not entirely ethical practices that the representative engaged. He clearly took advantage of the fact that I do not speak perfect English and sold me a product that required additional steps that were written in tiny print on the account documents. While this may not be entirely illegal, it is obviously the equivalent of trying to XXXX an old man of his money, as I am a senior citizen as well.
Consumer complaint received 2022-08-29
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I sent a check that was issued to me from a online Bank called XXXX XXXX it was for {$21.00}, it was issued to me through Bank of America by XXXX XXXX When I mobile deposited the check for {$21.00} at XXXX XXXX  Bank of America who is only the issuing bank for the check, the refund was actually from XXXX XXXX went ahead and bounced the check and told XXXX XXXX  that I had altered the check. So XXXX XXXX fraud department, closed my account. I just found out that years ago I had a Bank of America account and they feel like I owe them money so they skipped over any proper collection and took a check that didnt belong to them it was only mobile deposited to them through XXXX XXXX  and they were only the issuing bank but they confiscated my {$21.00} as if the check was made out to them it wasnt even anything to do with Bank of America other than the fact that they issued the XXXX refund to me. They then misrepresented everything to XXXXXXXX XXXX who promptly closed my account for fraud because Bank of America lied to them and told them I altered a {$21.00} and XXXX and check. So if banks can skip over who actually wrote me the check and just keep the money and lie about it because they feel like I owe them money from years ago that is not legal I cant be legal. Plus lying to my new bank to get it closed down so that all my money is locked up and my Social Security is locked up is extra nefarious Bank of America needs to be punished for this and they need to pay me back for damages. When I went to customer service at Bank of America, they would not discuss it with me they gave me a number for some kind of credit or bill collection place from years ago but they actually skipped over the people who issued me the check and just because it was drawn on their bank they felt entitled to take that money, lie about it, and then bounce it to XXXX
Consumer complaint received 2022-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

I have sent numerous correspondence with this company disputed it with the credit bureaus and they have failed to prove that I was ever late on any payment as I was not. I paid every payment on time and traded vehicle and closed loan accordingly. They repeatedly report I was late XXXX of 2020 when that was impossible as I had traded the car late XXXX and paid off loan. They refuse to remove late payment reporting to all my bureaus when It was already traded and I was never late
Consumer complaint received 2022-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

I have sent numerous correspondence with this company disputed it with the credit bureaus and they have failed to prove that I was ever late on any payment as I was not. I paid every payment on time and traded vehicle and closed loan accordingly. They repeatedly report I was late XXXX of 2020 when that was impossible as I had traded the car late XXXX and paid off loan. They refuse to remove late payment reporting to all my bureaus when It was already traded and I was never late
Consumer complaint received 2022-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This a complaint against XXXX I tried on several time to disputed these account because theres several inconsistencies and inaccuracies, and untrue. 

1 XXXX XXXX XXXX Account number XXXX 2 XXXX XXXX bur Account number XXXX  Child support enforcement  Account number XXXX I dispute these 3 account back XX/XX/2022 and XX/XX/2022 these account come back verify I asked XXXX to provide me the verification method the failed to do so. As now I demand to immediately remove these accounts.
Consumer complaint received 2022-08-29
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: EQUIFAX, INC. (SC)

I have inquries on my report that i did not authorize or gave my consent to I'm not aware of these inquiries. and they must be deleted immediately from my consumer report no later than 4 days after receiving my ftc report pursuant to 15 USC1681c-2
Consumer complaint received 2022-02-24
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: DFC Global Corp. (FL)

On Monday XX/XX/XXXX I downloaded the money Mart app which is owned by money Mart and the check cashing store. I downloaded this app onto my phone. I followed the steps and registered as I have never registered or used this check cashing companies app before. The app asked me to provide a debit card or bank account that it could send My payment once this check was cashed. I chose a debit card that is supported and was accepted and approved by the money Mart. You have two options you can add a debit card or you could add your bank routing and account number I did not and have not provided any banking account or routing number for payment. After taking about 3 hours because there was issues with this app it's all the steps took the photos sign the check that everything I was supposed to finally the check was approved in the company said that they cashed the check and sent the payment to the checking account on file. Which is first I thought was odd because I never added a checking account just a debit card. This company sent my money to an account that was not mine. I tried contacting their customer service and every time you would get through the reception was so bad on their ends it seemed like they honestly purposely had loud sounding things like traffic horns honking the sound sounded like it was in a complete loop honestly could tell it was fake. I got a hold of this company 's escalation department and was told I'd be transferred here and there every time they would transfer me the phone call with drop or they would just hang up. I cashed a check for {$360.00} I believe this company stole My money and keep giving me bull XXXX excuses and the runaround about giving me my money back. I've never dealt with such a shady company but I still do not have my money I'm going to file complaint after complain after complaint somewhere until this company gives me my money back.
Consumer complaint received 2022-08-29
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: EQUIFAX, INC. (MI)

In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX
Consumer complaint received 2022-02-24
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC (NY)

XXXX j XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  dealer number XXXX contract XXXX. 
The original amount XXXX I dropped XXXX I sent the contract they put all these other fees in as you can see in the contract.
Consumer complaint received 2022-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/XXXX, I received a postcard in the mail stating I requested a fraud alert on my Trans Union report. I NEVER requested a fraud alert. I asked XXXX to freeze my credit report but it had nothing to do with fraud. I contacted Trans Union via their website on XX/XX/1922, and XXXX to remove this fraud alert I never authorized or asked for. Each time I get the following error. Were unable to process your request at this time. 

I am going to be looking for an apartment in a week or two so, it is imperative that future landlords be able to check my credit report. Also, one potential creditor has already written to me that they received the alert when they pull my credit. I was declined because of this.
Consumer complaint received 2024-06-06
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (NC)

XXXX I opened a cd /ira account at wachcovia bank in the amount ; XXXX : to be invest stocks and bonds for XXXX  yrs went to bank locations/XXXX NC went was out of business bank don't notification me or transfer funds
Consumer complaint received 2024-06-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (IN)

In XXXX of 2023 I was struggling with a divorce and I had Navient calling family members calling them and telling them I have a debt with them and that I need to call them. They were calling not just one but SEVERAL MEMBERS of my family AND extended family members. I was humiliated as I was a single mom going through a divorce and also having to deal with this going on as well.
Consumer complaint received 2022-08-29
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Viking Client Services (PA)

I am DISPUTING a collectioncharge. A collection agent from Viking, LLC continued to attempt collect a debt even AFTER I Told him that this was a charge in error & I had ALL the emails fromXXXX XXXX XXXX where they took off the charge because I should have never been charged. The Viking representative stated that he did not care about the email proof or that the debt that is NOT OWED. 

I rented a car at XXXX airport on XX/XX/ 2022 and returned the car, with a full tank of gas on XXXX at the XXXX airport. I got an email receipt & saw that I was charged for gas even though I returned the car with a full tank. I called & spoke with a representative at XXXX & she stated that the charge was taken off because she could see where it was an error. She sent me an updated receipt without the {$100.00} charge. 

A couple of days later, I saw that the charge was put back on my credit card. I called XXXX back, and the agent said that one department did not communicate with another department, but the charge should have never been put back & he took the charge off & sent me another email. 

Today I received a letter from Viking Client Services , LLC stating that this matter has gone to collections for {$100.00}. When I called and spoke to a very ignorant and rude individual, he stated that he " don't care & XXXX is gon na get its money ''. I asked the Viking Rep what I needed to send him & what he needed to see to prove this debt was a charge in error & It was taken off by XXXX. He yelled at me that he did not have to see anything because all I had to do was pay the money. 

Today, I again spoke with a XXXX representative who stated she did not know why this matter went to collection & she does not know what to do. After having spent 60 mins waiting to speak to the representative that did not know what to do, she disconnected my call. 

I do not want this on my credit report & the Viking debt collector does not care that I do not owe this money. I am not paying something that I do not owe.
Consumer complaint received 2022-02-24
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: CORELOGIC INC (FL)

Today I receive a message from XXXX XXXX about my credit score was hard inquire in XXXX report and my score get dawn XXXX point, and XXXX get dawn XXXX point in my credit score, those inquire was make for the company CORELOGIC CREDCO, XXXX don't have any information reported by this creditor, but XXXX give me a phone number XXXX, I try to call a several times but this number don't working. I don't know who is this creditor, I don't authorize any inquiry from none in the past 9 month, for this reason, I don't have idea how they access to my social number or any information about me, its a fraud, I don't know who they are, don't have my permission for nothing, I have two years working hard to increase my score credit this inquiry cause a terrible damage over my record, I need this situation must be cleared soon as possible. Thanks
Consumer complaint received 2022-08-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Performance Management, LLC (NJ)

Receivable Performance Management ( RPM ) and XXXX sent false and inaccurate collection to XXXX that reduced my credit score by XXXX points. XXXX had referred me to RPM at XXXX as the debt manager. When I called RPM on XX/XX/XXXX and complained about XXXX and not receiving notice from RPM before reporting a collection, they decided to send it back to XXXX. Thereafter, I called XXXX again and talked to many managers at different times. Between then and now, I have found out that RPM and XXXX have changed some of the information that they told me was on my file. One of the representatives told me on XX/XX/XXXX that the information about my request to terminate in XXXX and XX/XX/XXXX are there and that it was just that they decided not to follow my instructions based on government directives. One XXXX who introduced himself as a Senior Analyst called today to deny the termination letter sent by XXXX on XX/XX/XXXX, and XX/XX/XXXX. He claimed twice that I called in XX/XX/XXXX and XXXX XXXX, I told him again that I never talked to any XXXX representative between XX/XX/XXXX and XX/XX/XXXX. Even though he later said he made a mistake for saying that I called in XX/XX/XXXX, I don't think it was a mistake because two different XXXX employees I talked to on XX/XX/XXXX said that I called in XX/XX/XXXX and XX/XX/XXXX which I denied. Obviously, XXXX has made many false statements to me and at the same time using my conversations to cover things up based on my questions to them.
Consumer complaint received 2022-08-29
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: LEXISNEXIS (IN)

On XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to anybody. '' So if that's the case. How did the credit bureaus edify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteridtics, or mode of living is obtained through personal interviews with neighbors, friends, or associciates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such reporting agency when such information was obtained directly from a creditior of the consumer or from the consumer. They also viloated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1681. According to ; 15 U.S.C 1681 section 602 A. States I have the right to privacy. They also they violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : Thw law Cleary states the credit bureaus have 5 days to notify me from when they receives my disputes. They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.
Consumer complaint received 2022-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: One Source Technology (FL)

The reporting company asurint used my criminal history over seven years ago and now I was disqualified from two job opportunities. I called the company and was told that since I live in Florida they can use any criminal history no matter how long ago it was according to your website anything over seven years can not be reported so I'm not sure if they are correct. 
Thanks XXXX XXXX
Consumer complaint received 2022-02-24
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Real Time Group, Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX  Address : XXXX XXXX XXXX XXXX, CO XXXX Customer Care Number : XXXX XXXX filed a 1099-C on a second mortgage that was legally prohibited at time of short sell in XXXX. 
When this sale occurred we fell under the Mortgage Forgiveness Debt Relief Act of 2007 which has been extended through XXXX. This was our primary residence and we had lived in the home over 2 years. At the time of sell the second mortgage was held by Real Time Resolutions. Once the home sold we did not get a discharge of debt as the debt collector ( At the time Real Time Resolutions ) was prohibited under the Mortgage Forgiveness Debt Relief Act. ( XXXX XXXX XXXX  ) In XXXX of XXXX we received notice of sale of the debt to XXXX and they wanted to establish repayment. We sent a validation letter and explained that this was over 10 years ago and at the time of sale the Mortgage Forgiveness Debt Relief Act was in effect. The next thing we heard back was this 1099-C that we received in XX/XX/XXXX. XXXX states that they discharged XX/XX/XXXX. We are seeking to have the 1099-C withdrawn from the IRS filing . We are also filing a 3949-A with the IRS regarding XXXX fraudulent deduction and requesting IRS take legal action to the extent of the law. We are attaching the Warranty Deed on the sale of the home and the fraudulent 1099-C.
Consumer complaint received 2022-08-29
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. (FL)

On XX/XX/2022 XXXX XXXX Equifax issued a national announcement stating that Equifax issued wrong credit scores for millions of consumers. Due to this I am not disputing but demanding that Equifax remove any and all erroneous accounts on my consumer report for the failure of consent and privacy per 15 U.S. Code Subchapter II - FRAUDULENT ACCESS TO FINANCIAL INFORMATION. Additionally, Equifax failed to exercise their grave responsibilities, they were unfair, impartial, and did not respect my right to privacy per 15 U.S. Code 1681a - Definitions ; rules of construction & 15 U.S. Code 1681b - Permissible purposes of consumer reports Lastly, never instructed them to furnish this report or to create this report and never consented to this report in the first place per 15 U.S. Code 1681b ( 2 ) - Permissible purposes of consumer reports
Consumer complaint received 2022-04-11
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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. 
I have not authorized anyone in writing.
Consumer complaint received 2022-02-24
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc. (FL)

I sent letters out to the Dept Of ED Navient / Aidventage & I don't owe anything with this account both companies can not locate an account for me I want this company to remove their negative reports on my credit profile from all 4 credit reporting bureaus. Also, they have not responded back to me.
Consumer complaint received 2022-02-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC. (FL)

I have a company name AFNI a debt collector company I agreed to settle less than the amount on the account & I paid this amount off in XXXX & they refused to removed their information from my credit profile!! I event sent the letter to the credit bureau showing I paid off this debt collection, All XXXX credit bureaus didn't do anything.