davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-04
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: BANK OF THE WEST (CA)

RE : Bank of the West loan # XXXX  For the last fifteen years or 180 plus monthly payments I have had an RV loan from Bank of the West.

I have made the 180 payments in good faith and the loan is now paid off.

But still Bank of the west has done great harm to my credit.

The situation is entirely their fault and I am seeking a remedy.

In XX/XX/2018 my RV loan with Bank of the West matured. I was sent a notice stating such.

The notice simply stated that the loan had matured and offered no other details. I was a bit confused because I still had payment coupons left in my payment book. I called the XXXX number for customer assistance to clarify the situation and get a payoff amount. I was told by the agent that the payoff amount was just over 4000 dollars. I was also advised by the Bank of the West agent that I could simply continue making the standard monthly payment and that would bring down the principal balance to a point where it was palatable to payoff. No mention of credit bureau reporting was made. So I continued to make the standard monthly payment.

I also continued to receive notices that payment had been received.

I thought everything was fine and planned to payoff the loan once the payoff amount was down to XXXX dollars.

In XX/XX/XXXX I received a notice from Bank of the West that the bank was about to report a charge off ( default ) to the credit bureaus. I immediately called to get the payoff amount and make the final payment.

The loan is now paid in full but Bank of the West has nearly destroyed my credit. They have reported my loan to the bureaus as 60 and 90 days late, this was NEVER indicated to me in either verbal or written communications.

At this point Bank of the West has all of their money and interest, I have the RV, but my credit is ruined.

Nor have I been given an explanation of why after 180 payments there was still a XXXX dollar balance.

I think the best way of resolving this issue is for Bank of the West to remove the derogatory credit items from the credit bureaus and restore my credit score. I would also like a detailed accounting of why the payoff amount was so high.
Consumer complaint received 2019-01-04
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: VW Credit, Inc (NC)

previously have been trying to get an issue addressed regarding identity theft on my report .... I have had several addresses and accounts that were as a result of my identity being stolen ... the addresses and some information has been removed and corrected but the accounts have not, .... i have a past ftc affidavits and I have added the additional accounts that I left out on these ftc affidavits ... since I have reached out to the company and again sent all of my information XXXX has accepted the FTC affidavit and blocked all of the fraudulent items except the last one on the report ... it has been well over 4 days since this has been received and accepted by them and they have overlooked the account VW Credit acct # XXXX this account reporting is out of compliance with the FCRA and the statute regarding blocking fraudulent accounts .... I am thinking this is just an oversight seeing as this was the last one on the report but I am requesting that this is taken care of immediately and blocked from my credit file permanently
Consumer complaint received 2020-02-05
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. (RI)

Recently applied for VA home loan and was told that I had some collection or derogatory marks which I did not recognize. I believe these accounts were opened fraudulently without my authorization. They are reporting as XXXX XXXX XXXX, 08 XXXX XXXX, 10 XXXX, 11 XXXX, XXXX  XXXX. None of which I have ever done business with. Please help me rectify this matter and get it resolved in a timely manner.
Consumer complaint received 2019-01-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

On XX/XX/XXXX I set up auto bill pay to automatically pay the minimum. At this point I was told the normal payment method of transferring it online automatically was wrong and I needed to cancel it. I noticed it didn't come out automatically in XXXX and on XX/XX/XXXX set up auto bill pay again. At that time the system was showing I owed XXXX dollars as the monthly payment. On XX/XX/XXXX I got a call saying it was past due and I never got anything in the mail nor call before then. I paid the balance in full of XXXX. On XX/XX/XXXX when the card was at a XXXX balance they processed a payment of XXXX again. Then realized their auto bill pay was all messed up and credited it back to me on XX/XX/XXXX. I got an alert my credit score had dropped due to a 30 day late payment for the month of XX/XX/XXXX. I disputed that and got no where with the creditor even channeled it up to legal and compliance. I then disputed it with all 3 credit bureaus. Finally I am filing a complaint as a last ditch effort before getting a lawyer involved.
Consumer complaint received 2019-01-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Bank of America 's debit card broke and I lost access to my funds so I authorized a transfer of my funds to the Simple account on that day, XX/XX/2018. Bank of America broke the law by delaying my transfer to XX/XX/XXXX despite being required to initiate the transfer immediately after the banking holiday. Bank of America refused to expedite this transfer and refuses to reverse my monthly maintenance fee in atonement for their crime. They lied by claiming the transfer request came through on the 3rd when Treasury regulation simply demands instantaneous responsiveness. BofA has, in offense to the MOVE YOUR MONEY movement, done this to countless customers and should pay heavy penalties.
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

I recently reviewed my credit report and noticed that you have multiple late payments, but the problem is I was never late, and you do not seem to be sure that I was late either. On XX/XX/XXXX XXXX XXXX XXXX claims that I was late which is not true Experian have me on time so how can one account report differently across all 3 bureaus. 


Account Number # XXXX
Consumer complaint received 2023-03-30
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. (GA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require XXXX and TransUnion to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

VENMO BANKING SCAM- NOW ATTACHED IN BOTH EMAILS HERE ARE ABOUT 20 DOCS THAT SHOW VENMO ROBBED ME- MISPLACED MY MONEY - PUT IT IN THE WRONG BANK AND THEN, WITHOUT AUTHORIZATION, {$1400.00} OF MY MONEY FROM A XXXX XXXX CREDIT CARD - LINKED TO MY BANK ACCOUNT - AND THEY SENT IT TO XXXX XXXX WITHOUT MY CONSENT. I ALWAYS PAID XXXX XXXX THROUGH CHECKING- I HAVE NEVER PAID A BILL THROUGH MY BILL PAY BY WAY OF ANY CREDIT CARD IN THE HISTORY OF MY LIFE. THIS WAS A DELIBERATE AND ILLEGAL INVASION OF MY ACCOUNT - BECAUSE IT WAS LINKED. 

SORRY - FOR ALL CAPS But I am XXXX. 

So, now I have {$1400.00} my XXXX XXXX XXXX  's Checking account and have called VENMO and told them to fix it ASAP - they have put the money into the wrong checking account. It's in the wrong account and I have a landlord who lives in XXXX! Since VENMO had wrongfully taken {$1400.00} from my XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Credit CARD on file - WITH XXXX XXXX- NOT- I REPEAT- NOT with VENMO. THEY ACCESSED THIS XXXX XXXX CREDIT CARD THROUGH MY XXXX XXXX  CHECKING - WITHOUT PERMISSION and just charged {$1400.00} on it. So I took the money they put in my XXXX XXXX account and paid it ALL to XXXX XXXX XXXX- the card THEY USED without my permission for this exact amount. 

Now Venmo tells me I owe them - XXXX. I try to call them over a dozen times. They refused to answer and out of 12 calls I was purposely disconnected nine times. They are trained to hang up on the customers- under the idea that these people will give up and just go away. I texted them in CHAT dozens of times and only kept the attached conversations, but I went crazy. They dragged this out for months and harrassed me via MULTIPLE texts- OVER 100 OF THEM- but would not respond with a single human being. They ran me in circles and refused to close my account. 

Now they are well KNOWN FOR THIS KIND OF theft - taking money repeatedly from people I know- and then telling those people they can not get their money back- they say I have it. I do not have it. It's in a locked account that these criminals are making interest on every day. 

They have no intention of making right on what they did. Two of my clients, XXXX XXXX XXXX ( PhD head of Covid research in XXXX, and XXXX  from XXXX, XXXX XXXX XXXX have both had their MONEY TAKEN BY XXXX STOLEN XXXX XXXX XXXX then sent {$700.00} to my Venmo Account 2 months ago and they stole this money too. They REFUSED to give it back to XXXX XXXX and refused to release the money to me. They refuse to even answer a phone call or respond to anything in their chats. They have driven me to the point of rage, depression and they have financially destroyed me with both of the these malicious acts of outright theft. 

NOTE : This is a XXXX owned bank and they should not be able to do business in XXXX. They are targeting and robbing the American people.
Consumer complaint received 2020-02-05
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. (AL)

I HAVE NOTIFIED ALL THREE CREDIT BUREAUS ABOUT XXXX   XXXX  XXXX XXXX BEING ON MY CREDIT REPORT. I XXXX XXXX XXXX DOES NOT NOR HAVE I EVER HAD A XXXX XXXX ACCOUNT
Consumer complaint received 2020-08-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NC)

I was contacted by a debt collection agency after attempting to contact XXXX XXXX myself about the oversight on amount owed at which they faiked to reply. Emaik receilts from our i itial move in was also sent to the company. In late XX/XX/2019, was sent a debt collection letter by a company at which I responded with a cease to desit lettwr and verificication which they did provide. On the details it clearly states that the flooring was ( poor ) upon move in but they have charges of over XXXX. We would like this removed for failure to collect the correct amount.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.
Consumer complaint received 2019-09-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Pressler & Pressler, LLP (IL)

I live in XXXX, Illinois and my sister XXXX who lives in XXXX, New Jersey received a certified letter ( on XX/XX/19 ) from XXXX XXXX XXXX stating that the law office of Pressler, Felt and Warshaw, LLP submitted a lawsuit to collect on a a credit card debt that was settled nearly 3 years ago, now. My sister scanned the info and sent the digital copy over to me to confirm all of the incorrect information in the lawsuit and the fact that it was sent to an address that I have never resided at, and where the debt was never originally carried. I made several attempts today ( XX/XX/19 ) to contact the law office to straighten this out and finally got through to the individual named in the lawsuit, and the individual that I spoke to, XXXX XXXX, told me that I must appear in court or pay the disputed amount. She even said, " don't XXXX call back here unless you are looking to settle your debt, you XXXX piece of XXXX! ". I know, words that you would not expect to hear from a professional law office. I then went to search their reputation on the web to see if I could find out more on them and this law office used to exist under a previous name and apparently has been sued for fraudulent debt collection practices. That is when I decided to file a complaint here. 

To reiterate, this debt was settled and created in XXXX where I reside. The lawsuit summons was sent to the address of my sister in XXXX, NJ. They are attempting to sue me in a place that I do not reside as a tactic to win a judgement against me for a debt satisfied in order to do further harm to me, my credit, and financial status. 

I do not have account numbers since the debt was cleared some time ago. Attached you will see their reference to that in the summons received by my sister. In addition I will attach my current driver 's license.
Consumer complaint received 2018-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Debt collector has said that this account does not belong to them, but they are listing this debt, that is inaccurate reporting, according to FCRA information reported have to be 100 % accurate or should be removed from consumer credit file, also company has not provided a contractual agreement showing that they have the right to collect these debts. 
There for this should be removed from my credit file. 
Thank you.
Consumer complaint received 2022-07-10
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. (OH)

I advised that this account that is reporting on my credit profile through Equifax as of XX/XX/2017 from an unknown collection company by the name of XXXX XXXX for the amount of {$600.00} do not belong to me and is reporting inaccurate incorrect information on my credit profile this medical bill showing up on my credit profile is not mine. I do not go and have not been to any hospital 's or doctors ' in Over 20 years. I only use natural remedies only I do not believe in Western medicine or prescriptions. Equifax is breaking the law along with XXXX XXXX with report inaccurate incorrect information. Per 15 U.S. code section section 1681b ( g ) ( 3 ) prohibits such information from these collection companies and credit report agency from breaking the law with their alleged investigation 's.
Consumer complaint received 2021-03-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IN)

Someone hacked my account, chase then closed my account. They told me I could come in and get my funds, I came in 15 minutes later and they said my account had suddenly closed, then they said a check was generated on Tuesday and Id have it by Friday, I called Friday when it didnt arrive and they told me the check had been generated but not sent out, I then called back again and talked to a supervisor who told me that I had been lied to and check had not even been generated yet and that they didnt know when it would. This is now at 10 business days and the amount is XXXX. I have a family of 6 and started a new job I have no money for 2 more weeks because of a check being held. Im late on rent, utililities and cant even afford groceries for my kids
Consumer complaint received 2021-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (MN)

ASSOCIATED BANK/ELAN FINANCIAL SERVICES CREDIT CARD. 

ACCOUNT ENDING IN XXXX A LATE PAYMENT WAS REPORTED XX/XX/21 WITH A DELIQUENCY STATUS ACCOUNT ENDING IN XXXX A LATE PAYMENT WAS REPORTED XX/XX/21 WITH DELIQUENCY STATUS. 

I HAVE TRIED ON NUMEROUS OCCASIONS TO UPDATE THE CONTACT INFORMATION ON MY CREDIT CARDS. DUE TO IDENTITY THEFT THEY WERE NOT HELPING. I WAS NOT NOTIFIED AT ALL IN ANY TIMELY MANNER BY EMAIL/PHONE/USMAIL THAT A LATE PAYMENT WAS IN EFFECT/GOING TO HAPPEN. THERE WAS NO CONTACT WITH ME AT ALL BECAUSE THE BANK WILL NOT UPDATE MY CONTACT INFORMATION AT ALL! THIS IS A VIOLATION!!!
Consumer complaint received 2020-08-02
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. (NC)

I believe I have been targeted by identity theft and Equifax and XXXX  both are being deliberately uncooperative. Thankfully XXXX  still follows standard procedures. I have reported numerous inquiries as fraudulent to Equifax, and also a medical issue showing a collections on my report. I have called the medical company and there is a XXXX balance. I owe no money to this institution. I believe years ago there was something I disputed with this institution because they had tried to send me a bill they couldn't even make clear to me what it was for. It made no sense to me and I had believed it was some kind of error on their end. I never received the bill until the collections agent got in touch with me. It was only {$50.00} so I paid the collections because I was receiving harsh threats from them and the amount had to be paid " or else they would put it on my credit report ''. It seems they decided to do it anyway after payment. Equifax responded to my first letter, ignoring completely this vague medical issue that doesn't even have a balance, and refused to investigate the inquiries. They responded the day they received my letter a month ago, " stating all on my report was factual. '' My 2nd letter was responded to more slowly and they replied that " there are no files on my report with the credentials I provided ''. They address their response to " XXXX XXXX '' instead of " XXXX '' as they had done the first time. I provided proof of my identity and again explained the issue with the fraudulent inquiries. This letter and the rest have been completely ignored. When I call them they say " we do not investigate inquiries. It is not our responsibility. You have to file a police report for such things. '' Naturally, I attempted to file a police report and the police confirmed it is their responsibility to handle such issues. I know for a fact my inquiries were not investigated as there are inquiries on my report from companies that no longer exist ( XXXX XXXX for example ). Had they done their investigation they would have discovered that the creditors can not provide proof of any document that I authorized a credit pull. 
XXXX has simply ignored all letters that I have sent to them over the past 5 weeks or so and they have no intention of doing so. They also claim it is not their responsibility to investigate identity theft or fraudulent inquiries, and that I have to deal with it through the police. Both of these companies have had ample time to respond and refuse to answer, and by law, are required to remove these harmful and inaccurate records from my report. I am being personally harmed by this as I need to apply for a loan and I can't, because of these excessive inquiries. I will soon be forced to take legal action if they continue to violate my rights under the fair reporting act. Please assist
Consumer complaint received 2018-10-26
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I have 6 unknown inquiries that are appearing on my credit report that I didn't authorize. I'm a victim of identity theft. I did not know of any of these inquiries. I've included my identity theft affidavit. I've also sent a copy to my police department. I've listed them below. 
XXXX XXXX XXXX XXXX XX/XX/2018 bank of amer  XX/XX/2018 XXXX XX/XX/2018 XXXX   XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018
Consumer complaint received 2023-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The TransUnion credit bureau 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 need to investigate and correct for erroneous reporting in my file and are listed on my credit report. 
XXXX XXXX Date Opened : XX/XX/04 Balance : {$0.00}