davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XX/XX/XXXX Received email from BOA act overdrawn, due time a XXXX illegally went into my account without my authority and debited funds for {$150.00} per statement Processing Transaction layer CHECKCARD XX/XX/XXXX XXXX XXXX XXXX XXXX FL activity type debit status type icon pending Processing. Select to mark activity type debit XXXX CHECKCARD XX/XX/XXXX XXXX  XXXX XXXX  XXXX FL as Reconciled XXXX XXXX negative {$77.00}. 
When I contacted BOA was on hold over 20 min then transferred to their fraud dept-spoke with a XXXX XXXX as she said there is nothing they can do until the transaction goes through.I suggested to close and reopen new debit card as this company has access to my debit card from a purchase of med supply for XXXX. NOT fair when this has placed my account in a " negative '' and no funds available to me.nBOA could have stopped the PROCESSING transaction from coming in as they chose not to. How can BOA authorize XXXX to take control of my act and leave me with no funds? BOA did absolutely nothing and aware. After my research this company has a 1 out of 5 rating and illegally taking funds from customers act and apparently an issue. BOA did not make any efforts in trying to resolve and left me without funds due to a unauthorized transaction. NO pmt pattern of such as they allowed me to have no funds available. I also went into the bank as the called a XXXX in the claims dept as he also did absolutely nothing to resolve issue as BOA will sit on this and wait until this transaction go thru and wait until they hear from the company, not fair.
Consumer complaint received 2022-04-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

I'm not required to have an escrow account for my home loan, with PHH the loan servicer for Ocwen, but Ive just left it there but I recently noticed that the mortgage company is collecting more than the amount that they had to pay out for my property taxes and homeowners insurance so I had made and inquiry back on Match XXXX to remove the escrow account so I will pay for my own property taxes and insurance. They came back saying that because there's a payment due on the escrow account with 30 days which was my 2nd property tax installment on XX/XX/2022, they were not able to close the account. After emailing and calling multiple times to make sure their representative told me that once the property taxes are paid on XX/XX/XXXX as scheduled by them I will be able to request for the removal of the account and that they won't be able to close it before then. They also sent another email stating that they CAN NOT close the escrow account because the signature on the form sent in was not the same as the signature they had on file so another reason they CAN NOT close the escrow account. This while time of almost a month of calling and emailing and getting updates on when they will pay my property taxes so I can close the escrow account they kept giving me the run around and excuses getting no where. Today in the 12th I went online to check to see if my property taxes has been paid but and to my surprise it HAS NOT! They refused to close my escrow account on the reasons stated but they went ahead and canceled the property tax payment they were supposed to pay on XX/XX/XXXX from our escrow account! I called them back and again they gave me the run around and saying they will get back to me and nothing ever gets done. They DID NOT say anything about not paying the property taxes nor mentioned anything about the property tax payment being canceled because they would NOT close the escrow account for us citing the reasons above. Now the property tax payment is past due with penalties at {$4600.00} instead of {$4200.00} that was supposed to be if paid by XX/XX/XXXX. They seem to be polite and helpful when you call them or email but its all a scam because they did not do anything to help or resolve your situation they just masks it and XXXX you over if you don't follow up and keep an eye on them.
Consumer complaint received 2022-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. it is plainly stated that a failure to investigate these items within 60 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will take legal action due to the stress you caused me. My information may have got into the hands of the wrong person.
Consumer complaint received 2022-04-12
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. (SC)

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is ground for removal they also violated my rights under 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 Also the credit bureaus took more than 30 days to complete my investigation
Consumer complaint received 2022-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CT)

In XXXX someone charged about 8 charges to XXXX on my Chase Amazon card. 
I don't have an XXXX account ( and it's never appeared before ) so I called to report fraud. 

Initially it was taken off my bill. Then they sent me a letter saying they determined that it wasn't fraud because it was charged to my home address. I DO NOT HAVE AN XXXX ACCOUNT. So, I called back and they put it back in appeal. Again they determined it wasn't fraud. 

There is no way these are my charges. Chase now isn't returning my calls. So I am resorting to reporting it to you. Please help. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-04-12
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. (CA)

I subscribe to XXXX XXXX, a credit report monitoring company. For the past year, they have told me that Equifax and XXXX consistently report my XXXX XXXX FICO score as between XXXX and XXXX. In XXXX, 2022, both agencies reported that my score was XXXX. Additionally, I have several accounts with XXXX Bank and they also reported that my score was XXXX. I then went buy a car. 

According to the car dealership, XXXX XXXX XXXX, who shared my FICO score with me, the XXXX XXXX score that they received from Equifax was only XXXX. While that is still not a terrible score, it is significantly lower than was previously reported to me and probably affected the loan rate that I received when I purchased my car. In fact, XXXX offered me a terrible loan. I received a loan rate through the car dealership that was not what I thought it should be, but I was able to negotiate it down a bit before completing the deal. 

When I contacted Equifax and XXXX XXXX, they both stated that there are numerous credit scores that are generated and shared, but neither business could explain the XXXX point discrepancy. XXXX XXXX blamed Equifax. If a person 's credit score is generally dramatically different than is reported to them, what good is receiving a score in the first place? It is used by both XXXX and XXXX XXXX to make the customer ( me ) believe that the credit card or loan that they are offering is based on better credit than is actually the case. That is blatantly fraud!
Consumer complaint received 2021-05-17
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: Experian Information Solutions Inc. (GA)

Experian sent me a dispute report # XXXX XX/XX/2021 by electronic email to review dispute results from a previous dispute that was closed on XX/XX/2021. I could not access the dispute results after typing the required information as required by Experian. I received an error letter which said that Experian could not process my dispute and to mail in the letter and request the dispute results via mail and I did. Experian then electronically sent the dispute results via electronic email for a second time on XX/XX/2021 and I received the same error message with the letter to request dispute results via physical mail. ( I have included a screenshot of the error message/letter request for dispute results by mail ).
Consumer complaint received 2022-04-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: RICHLAND HOLDINGS, INC. (NV)

AcctCorp of Southern Nevada XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX, XXXX, NEVADA, XXXX ( XXXX ) XXXX XXXX The collection company above garnished my wages without any formal notice. They claimed they served my address but later I found out they served my sister 's ex partner 's address. They were not living together during the time so I was not notified. I have proof of the address I was living in during the time they " served '' me. I was living with a friend while I get back on my foot. XXXX should have record of me as a resident. 

I found out my wages were garnished on payday. When I called, they said they could not help reverse the garnish. When I emailed them, they said they can not reply back, they didn't call me to let me know. I had to call back days later. They claim they can not communicate in writing. They did not allow me to record the call. If I was to record, they " have to hang up. '' They are ruthless and rude. 
My ex had an XXXX XXXX account under my name and owed {$1100.00}. I end up having to pay over $ XXXX to close the account. They wouldn't allow me to settle, I had to pay the full amount. I asked to start a payment plan since I wasn't able to make a living. I was a 100 % commission-independent contractor. The company that I was working for allowed me to borrow {$60.00} a day ( " Draws '' ) until I make a commission but Account Corp was garnishing the wages. Some commission finally came in to help but due to the garnish, I was not able to pay my IRS tax and had to push it back. 
I visited the XXXX XXXX to ask " my '' account rep, XXXX, if I can do $ XXXX payment, but she denied it. 
I finally got the account closed XX/XX/2021, I asked if there's any way they can help me settle. They agreed to settle for an amount after all. Even though, they told me XXXX that their firm does not offer settlements and that they are not " that type of agency. '' P.S : I did not receive any receipt of any of my payments or payoff.
Consumer complaint received 2024-06-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Received call from debit collector agent Back in XXXX unprofessional comments were made I was asked by The Agent on Phone call What Amount I can pay I responded That I couldn't agent 's comment to that answer was in exact words ( well Why did you open the line of credit Then )/ Call was Terminated by me XXXX received call from collector Again was held on phone for 20 minutes I Asked multiple times to send email and or mail. I updated contact information. supervisor of company intercepted call with agent and also was unprofessional. comments were also made by supervisor about other dept on my credit report. very harsh and unprofessional comments were still being made even after I requested and updated information with collector after 20 minutes call was disconnected by me. I have not received anything via email as I asked collector 's supervisor/ claimed as we were on the phone that she was sending email and continued to basically bagger and threaten/ held hostage Phone call.
Consumer complaint received 2017-08-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NJ)

my original complaint if number is XXXX. 
I originally filed a complaint against Navient for hiring someone with an extensive criminal background and giving them full access to customers important information. 
The employee they hire name is XXXX XXXX this person was able to gain access to my private information using Navient systems. The person was able to access my full address and social security number. She then called and admitted that she had this information. She further explained and I quote " I do n't know what she is capable of ''. This statement was a direct threat to me and my safety. Once the statement was made I no longer felt comfortable in my home. As time went I found out that XXXX was employed through XXXX XXXX XXXX in my area and was making pizza delivery to my apartment complex. This was extremely scary since I have XXXX XXXX living with me. I decided to call XXXX XXXX to advise but they did n't seem like they were interested in assisting so I called my building manager and asked that he put a stop to it. My building manager was able to complete that request for me. 
I have several police reports/incident reports against this female. The reports were made with my local police department ( XXXX XXXX, NJ ) the report numbers are XXXX and XXXX. In my initial request I asked that Navient inform me if this female did in fact access my information using their computer systems. I do n't feel that my question was answered in my original complaint. This explains the reason I am filing another complaint. 
An investigator who works for navient did reach out to me and advised that the situation is still being investigated but I need a solid answer about what exactly they are investigating and if in fact XXXX XXXX access my information using their system. Or if she gained access using a subsidiary company that assist Naveint. to my knowledge my information was access at a XXXX. XXXX, NJ branch I believe it was through a company that is a partnership of Navient.
Consumer complaint received 2015-12-22
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (SC)

I have been a customer of citi cards for some years now, I have paid them on time, and above the minimum amount due., I received XXXX, statement, and paid {$600.00}, I never received XXXX statement, and on XXXX XXXX got a statement for XXXX, with past due charges, and they raised my minimum due to {$990.00} dollars, previous, it had been {$470.00}, When I called customer service, I had to get a supervisor to remove late charges and was told by supervisor that they are not responsible to send a statement out, that it is my responsibility to pay regardless, if I receive a statement or not. they blamed the post office, they said i should have received a call, which i did not! they had an email address that was 2 years old, so i guess i have been paying all along. They employ poor business practices, do n't care about customer, they should be fined for these poor practices. 
I bet i 'm not the only one this has happened to. 
and according to them they have no responsibility but to collect monies,
Consumer complaint received 2022-04-12
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)

TransUnion continues to willfully and knowingly violate the law according to the FCRA. I have reached the point where I am seeking legal counsel to assist me because after countless request to have inaccurate and fraudulent information verified and if not removed, they continue to evade me and will not comply with my request for proof of these accounts. I have sent several request to provide proof sent proof that my personal information including social security number address and birthdate have appeared in numerous data breaches. All I have received are copies of my credit report. With the same inaccurate information. Im exhausted with sending letters and abiding by the law yet Transunion continues to violate my rights. I will continue to file complaints until you all make them remove these inaccuracies.
Consumer complaint received 2023-06-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Early Warning Services, LLC (IN)

Puppy purchase. XX/XX/2023. Seller named XXXX. Phone number XXXX. Exchanged phone calls and text messages. Was instructed to pay via Zelle to email address : XXXX under the name XXXX XXXX. I made the payment as instructed. The Zelle record matched the information I was given by the seller ( XXXX ). My Zelle transaction number was XXXX. XXXX let me know he did not receive my payment and instructed me to cancel this payment and send payment to a different email address ( XXXX, name=XXXX ) XXXX I contacted XXXX XXXX and was told it is impossible to cancel a Zelle transaction. XXXX proceeded to tell me that these email addresses are temporary and are only valid for limited periods of time. I filed a dispute with XXXX XXXX and the transaction is under investigation. I filed a complaint with Zelle as well. I do not know the status of the complaint I filed with Zelle. The Zelle feature is built into and included within my XXXX XXXX app on my phone. If Zelle transactions can not be reversed, verified as valid accounts, etc., I don't think XXXX XXXX should encourage use of same.
Consumer complaint received 2022-04-12
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. (CT)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report because its holding me back from getting approved for a car .I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 
Please delete the items as soon as possible. I noticed these issue on : XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-06-30
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: JPMORGAN CHASE & CO. (TX)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-01-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

I opened a Chase XXXXXXXX XXXX  account on XX/XX/2024. When I opened the account, I did XXXX myself the amount left from a different checking account from a different institution, XXXX XXXX. My sister transferred my savings, which was about {$7800.00}, to this checking account to transfer to a savings account in the future. I used this money to pay my tuition. I did deposit and tried to XXXX a friend. My account was locked due to suspicious activity, which I called the number. The representative informed me that my account would be closed and I am unable to open an account in the future. I asked for the reason and asked to speak to another person. I was denied to speak to anyone and was told to try to talk to another representative. I was told the same information.
Consumer complaint received 2019-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

XXXX XXXX and Equifax, Equifax states to CFPB XXXX   not reporting but XXXX XXXX is stating Equifax is reporting to them and they can not remove it because they are not a credit Bureau enclosed is a letter showing that XXXX XXXX by reporting is a collection company and reporting company falls under the FDCPA and FCRA please remove this alleged account at once XXXX XXXX /
Consumer complaint received 2021-05-17
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.