davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

On the morning of XX/XX/2022 I received a call from an individual who claimed to be a representative of the financial division in XXXX XXXX XXXX XXXXXXXX. The individual claimed that I owed money and that my service was about to be shut off. I told the individual that my account should have been closed and that I made my last payment on XX/XX/XXXX. The individual told me that there had been a problem processing my payment on their end connected to a change to a new system, but that the individual could process my original payment if I typed in a certain " code '' through XXXX. 

He asked me to enter the amount XXXX and the memo " close account not payment XXXX. '' I expressed serious misgivings about what he was asking me to do, but via deception and manipulation he gained my compliance. He caught me in a strange circumstance state of mind which made me vulnerable. After the first payment went through he expressed surprise that I was charged. He then put me on with a person who he claimed was his supervisor who would help me reverse the charge. He asked me to do the same thing again. The grave doubts that I had before were amplified but again with deception and manipulation the individual persuaded me to authorize a second " code '' that he assured me would reverse my transfer. Thus, I made a second XXXX payment in the same amount. 

Realizing that I had definitely been scammed, I then hung up and called Bank of America. I was told that the only redress I have is to ask the scammer 's bank ( XXXX ) for the money back, and they helped me make this request, though they suggested that it is unlikely to work.
Consumer complaint received 2020-10-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (MA)

My third request in attempt to obtain verification from a debt collection agency about a consumer debt I'am disputing.. A certified letter ( was mailed on XX/XX/2020. As of to date, more than 30 days later, I have not received any correspondences from the debt collection agency.
Consumer complaint received 2021-09-21
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. (FL)

XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored for my disputes. 
I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused report me.
Consumer complaint received 2018-04-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX at approximately XXXX I went to use the outside ATM outside of Chase Bank located XXXX XXXX XXXX XXXX TX XXXX. As I put my deposit of {$1400.00} ( 14 {$100.00} and 1 {$20.00} ) the machine begin to go black, and came up with a message that stated out of order. I didn't receive any form of receipt.I went into the Branch and spoke with the Branch manager who filed a claim with the claims department XXXX and provided me a claim number. She informed me I would have the funds by the end of that business day XX/XX/XXXX. At approximately XXXX that same dayXX/XX/XXXX I contacted the claims department and spoke with a gentleman who informed me I would have the funds by the end of the day XX/XX/XXXX. On the morning of XX/XX/XXXX I checked my acct and it was negative {$80.00} due to bills coming out of my account. AT XXXX XX/XX/XXXXI contacted the claims department to see why the money wasn't in my acct as I was informed by 2 separate individuals that it would be there by end of day of XX/XX/XXXX.  He then proceeds to tell me because of the high dollar amount it would be in there by the end of this business day of XX/XX/XXXX. Then before the call ended he stated the claim closes on XX/XX/XXXX so I asked does that mean I won't get the deposit until XX/XX/XXXX and he stated yes. So I asked well why did you just tell me I would have it by the end of the day XX/XX/XXXX. At XXXX that same day XX/XX/XXXX I went back into the original branch where the error occurred and spoke to the assistant branch manager who contacted claims department who wanted to speak with me and she stated it would take 96hours for me to get a provisional credit and there is nothing else she can do to assist me. On XX/XX/XXXX I contacted the claims department back and spoke with another individual who informed me it would take up until 10 days for me to receive the funds. So at this point my frustration has kicked in because how do you run a business where your machine malfunctions and there is nothing you can do to help your customer while you fix your issue. So I am suffering with no money for who knows when due to your error. The biggest issue is that no one in the company is on one accord. Every time I speak with someone it's a different timeframe. I have no idea what to do because clearly CHASE doesn't know what they are doing. I feel this situational has been handled both unprofessionally and very irresponsibly. So now I have to suffer without money to provide for me and my son while Chase suffers no repercussions and all they can tell me is there is nothing they can do for me. What is a provisional credit for if I have to wait 10 days until the claim is settled. At that point the investigation should be concluded. I am very upset and disappointed with how CHASE has handled the situation seeing as though them and their malfunctioning machine is at fault. I sincerely hope you can help me with this unfortunate situation and prevent anyone else from experiencing this.
Consumer complaint received 2023-01-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

whom it XXXX Concern, I recently received a copy of my credit report and found that you illegally reporting inaccurate, noncompliant, and false information about me. The Following alleged account is listed as a collection with a PAST DUE BALANCE, {$1100.00} Account Name : XXXXXXXX XXXX Account # XXXX PAST DUE BALANCE OF {$1100.00} ( Account in Collection/Charge off please delete ) Date open : TransUnion is XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX, and XXXX show XX/XX/XXXX High Credit : TransUnion is reporting {$1100.00} and XXXX XXXX XXXX, and XXXX show {$1100.00} Lasted Reported : TransUnion is reporting XX/XX/XXXX. XXXX XXXX XX/XX/XXXX and XXXX show XX/XX/XXXX Date of Last Active : TransUnion XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XXXX show XX/XX/XXXX Past dues balance, Date open, High Credit Lasted Reported, and Date of Last Active all show inaccurate on this account accordance to XXXX XXXX Guidelines it MUST be delete. 

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX XXXX regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above-mentioned derogatory items be investigated and permanently removed from my report. 

I await your reply with the above requested proof. Upon receiving it, I will correspond back with by certified mail.
Consumer complaint received 2023-01-03
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. (FL)

I am intrested in disputing all incorrect information on my credit report with transunion. checking my data ive noticed Alot of errors that is hindering my file. I'm intrested in updating my credit report to clear all my files.
Consumer complaint received 2022-06-10
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. (NC)

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 Account # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-06-10
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. (NC)

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 Account # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-02-03
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. (WA)

Regardless of the multiple written requests, the accounts listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EQUIFAX, they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: American Student Assistance (CT)

My name is XXXX XXXX. 
A student debt loan obtained to pay for my son 's studies was sent to collection at the XXXX XXXX for a balance of XXXX. Dollars. 

On XX/XX/2022 XXXX XXXX cashed XXXX checks totaling over XXXX Dollars that included the balance due and the extra money. When I attempted to get my money back, the figure they initially quoted me was inaccurate. They had forgotten {$10000.00}, a mistake I hope. When I insisted, they assured me that I would receive a check within 60 days ( of what, I don't know ). 

Several questions came to me after this experience, particularly after I spoke with an XXXX XXXX representative who indicated that his " finance department '' was now " examining '' my case : was the balance due accurate? Do they have the right to keep my money, and haggle about it? what are my rights?
Consumer complaint received 2022-02-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Regardless of the multiple written requests, the accounts listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with TRANSUNION, they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OLIPHANT FINANCIAL, LLC (NM)

I received a letter from the law firm of XXXX and XXXX XXXX. in XXXX, Missouri, saying that I owed money to Oliphant Financial LLC in the amount of {$10000.00} plus interest of {$900.00} I tried calling the number in the letter, but when answered, was told that company was not taking calls
Consumer complaint received 2018-10-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP (AZ)

Lender : American Honda Financial Compliant : not applying additional principle payments properly Account # : XXXX. 
Product:XX/XX/XXXX ACCORD. 
XXXX : XXXX My normal payment are scheduled around the XXXX of the month for approx. {$540.00}, I pay {$650.00}. For this payment they apply the extra principle correctly. 
But, around the first of the month I pay {$750.00} or more, payment from my XXXX XXXX bill pay. I notice for this payment they are applying interest to future payment that I will never have. 
I asked them to correct the payment to principle only. On my request they would only correct the last six extra principle payments. They are stating because I didn't send principle payment to a different address they will not correct the extra principle payment for the whole term. The loan started in XX/XX/2017. I have requested with top managers at Honda Finance and they will not correct. 
I understand math and incurred interest. I know the way they are taking interest out of my principle payment before applying to interest will generate additional interest they are not entitled too ... .I believe this is illegal. Whether I mail to one address or the other ... .additional payment needs to be applied correctly, even more so when the customer catches their error and demands it be corrected. 

Please help - Thank you - XXXX XXXX XXXX
Consumer complaint received 2018-10-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

It has been well over 15 days since I have spoken to someone in the Fraud Department at BOA. Last Thursday - I got a phone call from a person of BOA - Stating there is still nothing they can do. 

After myself I am reaching out to XXXX and XXXX XXXX to find out if anyone else has noticed fraud activity with these accounts money is being sent to - Both banks are requesting XXXX XXXX   from BOA. They are not responding to any type of phone calls or emails regarding my claims.
Consumer complaint received 2018-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX client XXXX XXXX is a victim of identity theft ; his information was used without his consent to apply for several credit lines. While these application failed the process resulted in fraudulent inquiries into his credit reports. While reviewing an Experian credit report an inquiry was found with XXXX XXXX XX/XX/2018 that was an unauthorized transaction. An official dispute of this activity was mailed to XXXX XXXX to have this information removed. While a clearance letter dated XX/XX/2018 was received and confirmed the inquiry was going to be removed at a future date, a review of a credit report ordered XX/XX/2018 still lists the XXXX XXXX information be Experian. This is a violation of the FCRA.
Consumer complaint received 2019-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

When purchasing a home last year, XXXX XXXX XXXX  in XXXX XXXX TX could not obtain my equifax score. 

They claim that contacted equifax and I don't know what the agent told equifax but after that all they could provide was a mixed up report, with 5 other peoples information. 

Since that time I have spent over 100 hours on the phone trying to fix the report with no success. 

When I call XXXX XXXX XXXX or my broker for assistance, they tell me they did nothing wrong.
Consumer complaint received 2018-04-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

My XXXX XXXX Card account was acquired by Capital One sometime inXX/XX/XXXX In XX/XX/XXXX XXXX  issued a large interest refund check to me for over-charging interest on my account balances, beginning in XX/XX/XXXX. Chase stated that my interest rate should have been prime + 5.99 %. I asked Capital One to investigate why I was currently being charged interest at a rate of 20.49 %. I have made all payments on time, and I have done nothing that would have allowed Capital One to subject me to higher interest rates than what I had with XXXX  at the time of the account acquisition. I initially contacted XXXX XXXX XXXX, at Capital One 's headquarters in XXXX, Virginia. He referred me down the line to individuals ( " XXXX  '', " XXXX  '', " XXXX '', XXXX XXXX, XXXX XXXX ) who repeatedly promised to review my account. It has been well over two months now and I have not received a substantive response to my request for an interest rate review and credit.
Consumer complaint received 2018-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Williams & Fudge, Inc (GA)

William and Fudge is a collection agency that works for XXXX XXXX. I agreed to a payment plan with the Williams and Fudge collection agency to prevent any negative remarks from being reported to Credit Bureaus. The Williams and Fudge collection agency received my payment and then reneged on our agreement. I spoke to several rude and incompetent supervisors that work for this collection agency. XXXX XXXX was the main supervisor that was extremely unprofessional and rude. XXXX XXXX is the supervisor that reported the negative remarks on my credit report. I contacted XXXX XXXX directly and resolved this matter by paying the {$670.00} in full. The XXXXXXXX tech business office assured me that everything would be taking care of and the negative remark on my credit would be removed from my credit report. I received an email from the XXXX XXXX business office stating that the William and Fudge collection agency informed them that the removing of the negative items on my credit report would take 2-3 months to remove. Unacceptable!!!
Consumer complaint received 2020-12-09
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. (PA)

I contacted Equifax about a charged off account reporting incorrectly on my account. The company reported that I owed XXXX $ although went into a settlement with the company. I disputed and Equifax showed a settlement letter. Equifax stated the company " verified I owed the remaining balance '' regardless. The company, XXXX, finally updated to reflect the settlement amount since I was right, and reported the balance as XXXX. They reported as " Account paid in full for the less balance/settled '' with XXXX/XXXX. I called Equifax to let them know I did not dispute the amount owed anymore since XXXX updated the amount to XXXX. The customer service rep updated my dispute to state " customer disputes after resolution '' even after this. This was on XX/XX/XXXX. This is not what I had asked them to do. After receiving an updated copy of my report through XXXX, it showed XXXX as " 120 days past due/Charged Off '' for Equifax only. There is nowhere that states I paid this account nor does it state the account is now closed. The other two credit reports do. I was told XXXX reported it like this. I asked how XXXX would report the same account differently two 2 out of 3 bureaus.There is also a collections on my Equifax that was removed 2 weeks ago from the other two reports. I was instructed to call the collections company, which I did on XX/XX/XXXX, and ask them to remove it. XXXX XXXX informed me it was reported and it is Equifax that has not removed it yet not them. So they lied about why it was still on my report. My score is 20 points lower on Equifax due to their incorrect reporting ; however, they will not update my report regardless of the proof. They open disputes which takes up 30 days of a person 's life and then respond with " Verified by company '' although when I contact the company, they inform me that there was no verification on their part.
Consumer complaint received 2018-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP (NV)

We filed Bankruptcy XX/XX/2018 due to a large lawsuit against us. Prior to that we had very good FICO scores and we pay our debts on time NO Later payments. We reaffirm our loan with Honda Financial Services and now the account is completely missing from the credit report ; but we are still making payments and not getting the credit. I spoke to Honda Financial Services and said it is a new thing there doing for those who filed a BK. Is this legal not to report payment history?? When we have a loan with them? 

Please help.