davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XXXX I opened a save deposit box with an amout of {$1500.00}, during the following years I continue to visit to the Deposit box making cash deposits for saving purpose. Never did i withdraw any funds from this box. My last deposit was about 3 years in the total of {$5000.00} giving the total balance in my deposit box of {$30000.00}. 
On XX/XX/XXXX I visit my regular bank were my deposit box was located and found the bank was closed with no notification. I contact Bank of America customer service XXXX line to find out how I could track where abouts of my deposit box. They explained to me that I would have to go to a branch in XXXX to get assitance. 
I finally was abe to make it to the branch being with out transportation. When I arrived, I was told they had to request for my deposit box which was in another state. They also gave me a notery and a notice showing me that they had broke my lock and open my Save deposit box with out my permission. 
After waiting a over a month. I received a call informing me they had received my missing items from my deposit box. 
When I returned to the branch to retrieve my items, all they gave me was 3 small envelopes and onXXXX large envelope with nothing in it, and they charged me a fee for this service which I don't understand why and was not explained to me, but i did see the fee on my bank statement. 
This has affected me, I have been depressed, stessed, and unable to sleep worried to what happen to my hard earn money. Worried about how a bank could let this happened. Me being my age I can't afford to start all over again. My husband is terminal ill and its difficult to financially support him and myself with only one income. 
think they did this because I am not able to properly read or communicated it english. 
Please help me.
Consumer complaint received 2021-02-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (CA)

Date Opened per Credit Report : XX/XX/XXXX Balance showing is {$2900.00} XXXX XXXX XXXX - ACCT AS SHOWN XXXX. Says original balance was {$3000.00} shows no payments made. Original Creditor is Synchrony Bank. I wrote to them and asked them to send me proof and never got anything from them. I have been paying my debt under XXXX XXXX which is a debt relief company. I have been on their plan since XX/XX/XXXX and I'm almost done paying for the accounts I had at the time I signed my contract. I only kept my XXXX XXXX and XXXX XXXX cards. I recently started rebuilding my credit but not until XXXX. I am asking to please get them to remove that account from all my credit reports. I would have never opened an account for over {$3000.00} and not pay for it. I will need proof of statements to see where this debt came from and proof that I applied for it. I never received any statements. I will not pay for something that is not mine.
Consumer complaint received 2019-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NC)

I have made several attempts online to order my free annual credit report from Equifax. Each time I received an error that my identity could not be verified. I would call them and went through several discussions with the representative regarding my report, and my identity was verified correctly. This has occurred several times since XX/XX/2019. I made another attempt approximately 5 days ago and the representative again said that I needed to submit my request in writing although I had correctly answered all challenge questions. I indicated I would report Equifax to the Federal Trade Commission for refusal to send my report and that they had not corrected any issues that prevented me from receiving my free credit report. She asked me to hold and returned in a few minutes and said that she would send me a free copy of my credit report. I went back online to report an error and the system wouldn't work. I called and she said they were updating their system. This has occurred more than once. It finally worked after I told them again I would report them to the FTC. 
I also noticed on the Equifax report I finally received that my current and former residential addresses were reversed, although this was supposedly corrected in a previous phone call.
Consumer complaint received 2015-05-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

The mortgage service provider ( SP Servicing ) has failed to remove private mortgage insurance ( PMI ) from the loan while overcharging on their escrow calculations. Furthermore, the service provide has refused to remove the escrow account. XXXX requests were in accordance with Federal and State of Texas law. The service provide has also paid of home insurance XXXX on separate occasions, and failed to pay on time on another.
Consumer complaint received 2021-12-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NY)

I made an {$20.00} ATM deposit on the night of XX/XX/17 at TD Bank XXXX XXXX XXXX, XXXX, NY XXXX. They are reporting the deposit was made on the XXXX and I have yet to have access to my money. I also haven't been able to open an online profile to see my account because they are forcing me to call and have someone do it for me with no explanation why I can't do it myself to protect my personal info.
Consumer complaint received 2023-03-10
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: MECHANICS BANK (TX)

To whom it may concern, According to my most recently credit report, your company is currently reporting to the three credit bureaus that I applied for credit with your organization. I do no recall granting you this authorization to review my credit report. The Fair Credit Report Act requires that a creditor to be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus. The presence of this inquiry is adversely effecting my credit report and is impending my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days. Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry.
Consumer complaint received 2021-02-17
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MA)

I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
Consumer complaint received 2019-08-21
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. (NV)

I have disputed the late payment status reported on the accounts  XXXX/XXXX  XXXX****, XXXX  XXXX****, with XXXX  and Equifax for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please I’m looking to purchase a home.
Consumer complaint received 2021-02-17
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: Nelnet, Inc. (OH)

NELNET XXXX XXXX Date Opened XX/XX/2004 Balance {$0.00} NELNET XXXX XXXX Date Opened XX/XX/2004 Balance {$0.00} How can you say that this account is verified when Im still seeing inaccurate information being reported? There are three different dates of the last activity reporting. Isnt the date of the last activity supposed to be the same in each bureau? How can you immediately report this account 90 days late when theres no late payment before that?
Consumer complaint received 2018-05-03
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. (AL)

I have contacted Equifax and filed a dispute that I did not apply for a loan with XXXX XXXX XXXX or XXXX XXXX  and they apparently did not do a full investigation because they came back and stated it was found to be accurate. I have spoken to both these companies back when this started showing up and both said they could not provide me with any documentation as to where I had inquired about opening an account. Equifax has refused to remove these two inquiries from my report.
Consumer complaint received 2023-03-22
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. (CA)

My name is XXXX XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account below from my report : XXXX XXXX XXXX XXXX Date Opened XX/XX/2022 Balance : {$320.00}
Consumer complaint received 2021-02-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (GA)

I received a letter from Medical Revenue Service dated XX/XX/2021 XXXX # XXXX accusing me of a bill owed to them. In the letter it stated that I have 30 days to dispute the validity of the debt. Without my dispute of validity, Medical Revenue Service took the liberty on XX/XX/2021 placing the debt of {$140.00} on my XXXX  credit report before the 30 days I was given to dispute the validity of the debt. I just received this letter less than 5 days ago and they put this on my credit report. This is a violation of my rights. Which is grounds of a law sued. This debt is not mine. Medical Revenue service has never had any contracts me, Medical Revenue service has never taken any money from their account to loan me any money.. This is not my debt
Consumer complaint received 2019-07-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ALLY FINANCIAL INC. (DE)

This problem is with Ally Bank where XXXX XXXX has two accounts : Regular IRA and XXXX XXXX CD with XXXX balance. By now it has been three months since he asked to sell one fund ( XXXX ) and transfer cash to a XXXX IRA after paying 15 % federal taxes. Finally funds were sold but transfer to XXXX account that cash currently at {$28000.00} has not been done. XXXX receives request to send a signed from ) so called " Direct Conversion Request '' ) again and again and nothing happens. By now we are tired and need you help.
Consumer complaint received 2021-06-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (AL)

On XXXX XXXX, I was contacted via letter by Amsher Compassionate Collections.XXXX XXXX has hired Amsher Compassionate Collections to continuously harass me about a bill, I do not owe.I contacted Amsher to send me verification of this debt.Amsher on XXXX XXXX, sent me verification of this debt.This debt is in someone else '' s name address, but I owe it.I have not been a customer of XXXX  since XXXX XXXX was a XXXX  customer for over 20 years.I lefXXXX XXXX XXXX in XX/XX/XXXX, and have been with XXXX  since XXXX XXXX.On the verification paper XXXX XXXX/Amsher sent menthe bill creation date is on XXXX XXXX.I was with XXXX  in XXXX.I am still a XXXX  customer.I am guessing back in XXXX is when XXXX XXXX  was illegally taken {$12.00} cents out of my checking account, without my knowledge or consent.They got away with it, until I called my financial institution and told them that, I '' m not an XXXX XXXX, I am an XXXX.Mind you this is the same checking account, I use to pay my XXXX XXXX bill from, when I was with XXXX.I called XXXX  and they kept putting me on hold, would not give me a straight answer as to why they were illegally siphoning money from my checking account.My financial institution had to close my account, and I had to start over again, with new everything to keep XXXX from going back into my account.Thats when other debt collectors would write me about this bill from Dish, I would respond and tell them, I do not owe XXXX XXXX, these companies would stop contacting me.But this Amsher went as far as putting it on my credit report, causing my FICO score to drop 45 points.I contacted The Attorney Generals Office of my State, and they sided with me .The Attorney Generals Office contacted Amsher, and Amsher admitted it was not my bill.I have a problem still, because Amsher/XXXX XXXX knowingly/falsely accused me of this bill, pursuing me of this bill, knowingly this bill was not mind and still proceeded maliciously reported this to all 3 credit bureaus, and stole money from my checking account.I am very, very upset by this, because I had good credit, now its at poor, and one of my credit cards dropped my credit limit lowered because of this.I want them both XXXX  XXXX/Amsher both to be sued, so no one else would have to go through this.
Consumer complaint received 2021-06-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''
Consumer complaint received 2021-02-17
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Americas Car-Mart, Inc. (TX)

According to the State Licensing Requirements the debt collectors that is collecting on my debt for Colonial Auto Finance using address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AR XXXX, arent registered nor have they paid their bond with the state of Arkansas, for which this where the debt collection started, nor are they up to date/ licensed with the state of Texas XXXX for which this is my current residency, to collect on the debts. By law, they're violating state requirements, making them non-compliance.
Consumer complaint received 2016-04-13
Product: Credit card — 
Issue: Delinquent account — 
Company: BMO Bank, N.A. (VA)

I 've been a diners club card holder for about 10 years. A few years back, I stopped using the card. When I moved a year ago, I changed my address with what I thought was all of my accounts, but I missed Diners Club. Since I was n't using the card regularly, I did n't get statements, and so nothing was forwarded from my old address. Then, Diners Club charged me an annual fee on the account. I never received a statement, or an email ( my email address was current with the company ). I only noticed something was wrong when I checked my credit report, and they were showing me 90 days past due for XXXX {$100.00}. When I called them, I discovered it was because of an annual fee. Despite saying they would fix my credit report, it 's still showing the past due at all three bureaus after three weeks. It 's unconscionable that credit card companies can tarnish your credit report simply because you did n't pay an annual fee -- I can understand closing the account, but to be penalized for years because of an unpaid annual fee is ridiculous. What is your credit score supposed to represent? I 've got pristine credit with nearly XXXX accounts over the past 25 years. It should be illegal to report to the bureaus just because of an annual fee.
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (HI)

I have received a copy of my consumer reports today XX/XX/2024, and I notice you have furnished transactions on my consumer report that are excluded by law as per FCRA 15 USC 1681a 2Ai.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; A consumers transactions are excluded from the consumer reports.

FICO and or any other risk score or algorithm that you use to calculate a consumer 's credit score, is not a factor where the consumer report is concerned! Definition of what the consumer report means.

consumer report- consumer report In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. 
FICO or none of its factors, are not defined or included in the definition of the consumer report! Therefore, the reporting of transactions between the consumer ( XXXX ) and the person XXXX XXXX XXXX XXXXXXXX ) is a violation of 15 USC 1681a. The definition of the consumer report does not include FICO or XXXX, which makes their factors or algorithm not a factor where the consumer report is concerned. 

You have furnished transaction information on the following accounts :. 
( List accounts with late payments. ) Account XXXX XXXX XXXX XXXX : All late payments shown shall be updated to paid as agreed and in good standing as shown in the comment section of my XXXX XXXX report, per the FCRAs Law, to be fair and accurate. XXXX must update this account as paid as agreed and in good standing as shown on my XXXX consumer reports comment and section to be 100 % accurate and complete as shown in the attached file. 

So please Delete these late payments on this account per 15 USC 1666b ( a ) Time to make payments Acreditormay not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Thank you for your time, and I know that as a company that follows consumer laws and their practices, you will do the right thing set forth by US Congress 15 US Codes. and make sure my consumer has no inaccuracies and errors.
Consumer complaint received 2019-09-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (VA)

This is about the 8th time this has happened, and from reading other statements online from other people going through them is no help. The situation is I will make my student loan payment on time over the phone. It will go through the entire process, and even give me a confirmation number but a few days later I notice no transaction. I will call back and they will tell me the payment is past due and that I never called them even if I have the phone records showing.
Consumer complaint received 2019-10-10
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

On XX/XX/2019 at XXXX XXXX  when checking my email account I noticed a email from my credit monitor service ( XXXX XXXX ). It said there was a new inquiry. I opened the XXXX XXXX app and review my credit report to find that someone opened a new Kohl's/Capone charge card under my name which I didn't do. I spoke with Kohls fraud department and they shut the card done and labeled it as fraud. The incident number is XXXX. I made a report to my police department and to XXXX XXXX credit beuerWrite to XXXX. We've created a letter for you based on the information you've already provided.u for a fraud alert. The amount spent on the charge card was {$15.00}.
Consumer complaint received 2018-05-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (IL)

I have disputed this collection account from XXXX XXXX XXXX, XXXX on credit karma for the last 2 years. I've never had any association with XXXX XXXX XXXX. My phone line has been with XXXX XXXX XXXX for the past 5 years. I am led to believe that this IS fraud. I disputed with XXXX XXXX and noted that the balance is not mine and they need to remove it but to date they have not.
Consumer complaint received 2018-06-04
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 — Problem with personal statement of dispute
Company: General Motors Financial Company, Inc. (PA)

In XX/XX/XXXX GM Financial sent me a late notice on my lease account for XX/XX/XXXX.  When I called GM support I was informed over the phone that my auto-pay, which was set up by the GM dealership from day 1, was removed from the system in error due to a system update. GM removed our late fee but reported a late on our credit report. We are in the process of purchasing a house and this late has caused our mortgage rate to increase which will cost us nearly {$200.00} per month more than the estimate prior to the late report. This is the one and only late report on our credit history. GM Financial has not been willing to help resolve this issue with our mortgage lender to correct our credit score to have our rate fixed. I have spoken with multiple managers at GM financial who are unwilling to do what is being asked by my mortgage lender to resolve this issue. They are also unwilling to escalate this issue within GM.