davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-07
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

The Bank of America approved a check that I deposited into my bank account on XXXX XXXX, 2015. I waited for the check to clear and then made an electronic transfer into another account at the Bank of America for the purchase of a computer and software. Immediately after I made the deposit into the other account the bank told me the check was fraudulent and I was responsible for paying back the money - even though they had they money from the check in another account at their bank. I explained to them what had happened - which is in a statement attached to this website- and they refused to even take a fraud report. I believe the Bank of America is guilty of money laundering and now they have placed my name on a banking blacklist so I can not open an account at any other bank. 
Please see attached statement to get the full details concerning this event. I submitted one claim already and did not hear anything back and I can not find the reference number so I am filinf another complaint about the same incident.
Consumer complaint received 2024-02-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: TRUIST FINANCIAL CORPORATION (NY)

My identity and social security card was stolen from me since XXXX any accounts opened under XXXX XXXX was made without my consent. Please close all accounts under XXXX XXXX. 
You may contact me XXXX XXXX XXXX
Consumer complaint received 2016-09-03
Product: Credit card — 
Issue: Delinquent account — 
Company: DISCOVER BANK (WA)

XXXX XXXX, 2016 Discover XXXX XXXX XXXX XXXX XXXX, OH XXXX Re : Debt ( s ) of XXXX, XXXX XXXX. ( ) ; Account ending in XXXX Dear XXXX XXXX : I am writing to you in regards to an individual debt ( s ). First off, let me be clear in regards to 805 ( c ) of the Fair Debt Collection Practices Act, notification is given to you to cease all contact with either of the above mentioned individuals. Further contact will be construed as harassment as defined 806, and will be reported to the Federal Trade Commission. 

Per 805 ( c ), communication is allowed under certain circumstances. As such, please send a proposed settlement amount for the debt ( s ) and applicable payment plan. If proposed settlement is agreed to, remittance will be included with signed agreement. 

Please only communicate in writing to the following address : Regards,
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Amount on the loan is {$19000.00}. A Late payment, which is a transaction was reported on my Consumer Reports with XXXX, TransUnion, and XXXX 15 U.S. Code 1681a 2 ( A ), under Exclusions. That U.S. Code states : 15 USC 1681a 2 ( A ) ( i ) - EXCLUSIONS - Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- ( 1 ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The Late Payment is a transaction, and incurs fees. According to the U.S. Code 15 1681a 2 ( A ) ( i ), this transaction is not to show on my Consumer Report.
Consumer complaint received 2022-02-12
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (NV)

JEFFERSON CAPITAL SYSTEM LLC at XXXX XXXX XXXX XXXX XXXX, MN, XXXX has been sending me collection notices in the amount of {$3800.00}. The collection has been reported as past due balance on my XXXX credit report. I do not know this company. I have never done business with this company. This company does not have a contract with my signature.
Consumer complaint received 2019-02-25
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MA)

I received a copy of my credit report from the three major credit bureaus. In accordance with Federal Law, I exercised my right to dispute negative items off of my credit reports and received no response. I was very specific pertaining to the corrections that need to be applied to ensure the accounts on my reports are 100 % accurate and 100 % verifiable, and they have ignored and/or overlooked my requests.
Consumer complaint received 2021-04-21
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. (NY)

I have contacted XXXX XXXX by phone, and by mail, and even fax regarding fraudulent account that appear on my credit file. I have disputed this account as fraud and opened as a result of identity theft, I have also uploaded, faxed and mailed certified a copy of my very recent credit report to XXXX XXXX and bank have ignored my fraud disputes, bank have neglected to utilize my recent credit report to block this fraudulent account from my credit file. I have exhausted all avenues available to me and followed the FDCPA guidelines to rectify these fraudulent accounts but I have continued to be ignored by the bank. The following account is not mine and is on my credit file as a result of identity theft/fraud that I reported to the local police department : XXXX XXXX XXXX XXXX Police report filed on XX/XX/2020 ) This is not my account and I have also communicated this same information and provided my police report to this business listed above, and it have refused to assist in the correction of the fraudulent information. It is all acting in a willful and malicious manner and continuing to defame my character by knowingly reporting information it has been fully informed was fraud.
Consumer complaint received 2015-05-10
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Fidelity National Financial, Inc (CA)

On XXXX XXXX, XXXX, I sent a certified letter to XXXX XXXX. XXXX, vice president/trial counsel of Fidelity National Law Group, assignee to XXXX Receivables requesting them to verify a debt that has started in XXXX, but until now I have not received anything from them. They placed lien on my property in XXXX and XXXX but failed because the SSN who owes the debt was not mine. They also tried to foreclose on my property thereafter, and that also failed. This debt was not even ever in my credit report. What should I do next? Will you please help me?
Consumer complaint received 2024-02-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to dispute and request the removal of fraudulent accounts from my credit report. I have identified unauthorized accounts negatively affecting my credit, and I believe they are a result of identity theft or fraud. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-05
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TN)

I have disputed this inaccurate information to XXXX XXXX  XXXX. With all three bureaus XXXX, XXXX and Experian. I have added an attachments from all three bureaus showing different information on my credit reports. XXXX XXXX XXXX have inaccurate updated information with the Date being reaging the account to ( XX/XX/2021 ) this account is over XXXX years old.
Consumer complaint received 2019-02-25
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: WHEELS FINANCIAL GROUP, LLC. (CA)

XXXX is not removing or blocking an account per FCRA regulations when I submitted an Identity theft report claiming I was a victim of ID theft. I'm attaching the report for your records. There is only 1 account reporting to XXXX which are fraudaulent & I'D like that to be removed from my report. They claim they verified the account with the company but I'm truly confused how they can verify a fraudulent account. I believe they feel they're above the law & I'd like this matter handled ASAP as it's damaging my credit & impacting my emotional & physical health.
Consumer complaint received 2018-03-17
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: Experian Information Solutions Inc. (FL)

I printed a copy of my annual credit report, from Experian, onXX/XX/2018. I noticed to negative items filed under Public Records. There are two liens, Reference Numbers XXXX & XXXX. I contacted the court that filed these liens, XXXX County Recorder and found the liens to be filed erroneously. My father and I share the same name, but have different suffixes, birthdays, and most importantly different social security numbers. I contacted Experian to start my dispute, and explained to them that I had obtained Certified Copies of each tax lien. These copies clearly show the social security numbers associated with the liens are not a match to my social security number. I have sent them to Experian both digitally and through traditional mail service. Since I first spoke with the dispute representative I have not been able to contact Experian by phone. After working through their automated system and entering my report number and social security number I am now directed to a new set of menu options that does not allow me to speak to a representative. I am given the option to purchase another credit report or choose another option that is unrelated to my issue.
Consumer complaint received 2023-03-28
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Collins Asset Group, LLC (PA)

I have been trying to fix my credit and settle old debts. When I contacted the company that previously had this account, they advised me that they no longer had the account and that I had to now contact XXXX XXXX XXXX. I got in contact with them to try to settle the debt which is old and figured they'd offer me a decent, manageable amount. The debt is originally from XXXX on XX/XX/XXXX. The last payment was made on XX/XX/XXXX. The amount owed is {$11.00}, XXXX. They offered me a settlement of about 80 % of the balance due which would be more than {$8000.00}. I told them that I do not have money like that. Then they offered monthly payments for the entire amount due. They said they would email me papers outlining the settlement offer. What they sent was some legal paperwork for me to sign admitting that I want a judgement against myself to be entered. I didn't receive any legal paperwork before so why would they send me this and why would I agree to this. In the past, when I have made a settlement on old debt it was for a much, much lower amount and I just received a letter from the company stating that the matter was considered settled. I called to ask about all the legal paperwork and they said there's a judgement that will be there against me. Then today they sent an email stating that if I did not make an initial payment that they are proceeding with legal action and the judgement. I don't know anything about a legal case or a judgement.
Consumer complaint received 2016-02-29
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

" We 're letting you know your ATM/debit card may have been part of a compromise at an undisclosed merchant. '' I 'm happy that my bank ( Bank of America ) is being proactive about account security, however they are forcing a new debit card number which is a major inconvenience while not providing any information about what happened.
Consumer complaint received 2023-03-28
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: NAVY FEDERAL CREDIT UNION (PA)

Navy Federal Credit Union has updated my mortgage account by verifying inaccurate information on my credit report payment history. My family had enrolled in the PAHAF  program for Covid-19 hardship assistance. Navy Federal was made aware of this from the beginning. Navy Federal even gave us a Covid-19 accommodation by filling out the forms for the assistance program. Navy Federal also received funds directly from the states Covid-19 program and still reported our mortgage as late. The law that Navy Federal is violating is 15 U.S.C.1681s-2 ( a ) ( 1 ). Congress passed federal law to protect consumers from harmful credit reporting during the Covid-19 pandemic crisis. This law temporarily has amended the FCRA, which all furnisher companies must obey. Furthermore under 15 U.S.C.1681s- ( 2 ) ( b ), Navy Federal has just opened itself up to Private Right of Action by verifying and updating inaccurate information to my credit report. I have sent Navy Federal proof of this by certified mail. I want the CFPB to step in and fight for my consumer rights. Or I will be force to hire a FCRA consumer attorney, and file a lawsuit against Navy Federal.
Consumer complaint received 2015-06-10
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Central Portfolio Control Inc. (IA)

XXXX, this debt has been paid directly to the original creditor so this debt is invalid. XXXX, this company called me and my spouse using the number of an auto parts store in Minnesota. When answering, the lady was very rude, obscene and threatening.
Consumer complaint received 2024-02-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am formally notifying your company of inaccuracies in my credit report. Federal law mandates a response within 15 days, and your non-compliance puts you in violation, subject to fines up to {$1000.00}. 
Provide the investigation results for the following accounts within 10 days : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-01-13
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Acceptance Rentals, Inc. (GA)

the scam of XXXX days same as cash for furniture, I purchased {$1500.00} of furniture and was financed by Acceptance Rentals, an additional charge of {$3100.00} was added on to my {$1500.00} purchase a total of {$4600.00}, for XXXX mattresses, bunk bed frame, XXXX box spring, a loveseat and small sofa, that cost {$1500.00}. I contacted the lender and was told that the additional charges of {$3100.00} was for the cost of the lease agreement being maintained, and that they do not charge any fees or interest on the initial loan of {$1500.00}, and that {$62.00} of my $ XXXX monthly payment was applied towards the cost of the furniture and that the remaining {$130.00} was for the depreciation of the furniture while I have possession of the furniture. I want to know what law authorizes such predatory behavior upon low income consumers who rely on credit to afford their basic needs of living. My payment is $ XXXX monthly for XXXX months total cost is {$4600.00}, what a rip-off. I was told by the store representative that processed my application that I can pay of the {$1500.00} in XXXX days and owe nothing and the furniture belongs to me and in the event that I cant pay of in XXXX days, any monies I paid towards the {$1500.00} will be applied towards any remaining balance and that remaining balance will be spread out in the XXXX months, so I was made to believe that remaining balance from the {$1500.00} is all that I will have to pay off in XXXX months resulting in {$62.00}, not this outrageous new additional charge of {$3600.00} for some lease maintenance and the depreciation of the furniture while in my care. I am paying to own the furniture in XXXX months so why am I being charged for the cost of the depreciation of the furniture, the manager told me that in case they have to repossess the furniture for non-payment that the furniture will lose value and they cant sell the furniture to reap their losses, but they never put all this information on the lease agreement I got from the store clerk. the lender further states in the agreement that any statement made by the store personnel is not part of the agreement and that THIS AGREEMENT IS NOT AN INSTALLMENT LOAN OR A DEBT BUT MEMORIALIZES A TRUE LEASE, their agreement also states that although they do n't conduct a CREDIT CHECK BUT RESERVE THE RIGHT TO VERIFY ANY/ALL INFORMATION PROVIDED ON YOUR APPLICATION, yet the store personnel pulled my credit report and based on my credit score it determined how much money I will be loaned, the lender is in partnership with the store merchant to conduct business on their behalf to solicit customers and advise customers of the lenders guidelines and they just ripoff the poor consumers,
Consumer complaint received 2018-03-17
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (FL)

OnXX/XX/XXXX I happily went to a local Chase branch to open up a new checking account. As part of the opening I brought in an opening bonus coupon that gives {$500.00} for opening new account with Chase.

Who knew this would turned out to be a disaster, the very next day Chase closed my checking account ALONG WITH ALL MY EXISTING CREDIT CARDS. I have not done anything to the account at this point other than initial funding of the account. I suspect two reasons for the closure. 1 ) Chase simply does not want to pay out the opening bonus. 2 ) I was targeted as a minority and the banker had flagged my account. I had a College Checking with Chase before and at the time I did not open with a bonus coupon and the banker was a minority himself. A closure did not happen then and I had it for a long time until I grew out of the account.

There has been no other reasons I can think of that would justify the closure of my accounts. I called Chase on XX/XX/XXXXand they refused to state the reason of closure, which seem even more suspicious as they can't even come up with a legitimate reason for closure.

I've never seem such outright discrimination from a financial institution as Chase. I am truly disappointed as I was trying to expand my banking relationship with Chase and they did it.
Consumer complaint received 2023-03-28
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: RentDebt Automated Collections, LLC (FL)

In accordance with the fair credit reporting act XXXX Account XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 165B : A creditor may not treat a payment on a credit card account under a open or close end consumer credit plan as late for any purpose.

I want this deleted asap because I did not authorized nothing or sign nothing of a debt, plus I dont own any debt to any renters.
Consumer complaint received 2016-02-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (GA)

Navient took over multiple student loan accounts of mine. My student loan accounts have changed companies so many times that I can barely keep up with what loan is where. 

I initially spoke with an agent to figure out what I owed on a monthly basis and to set up automatic payments. I spoke with an agent who set up the payments for me. I went above and beyond asking questions and I specifically said- " will this take care of all of my loans with Navient so I do n't have to set these payments up again '' She confirmed. 

As a consumer, I do not know how Navient runs its business. Nor is it my responsibility to do so. The burden of responsibility should lay with the company. Being up front and transparent with customers on how the company operates. Without my knowledge, my Federal loans ( which apparently are a completely separate department that the previous agent can not access ) went past due. Navient had on file, the wrong phone number, address and email for the Federal student loans- though I updated this information with the previous agent. I had no idea that my loans went past due since there was no communication to that affect. The only way I found out my loans were past due was by logging in to Navient ( which I rarely do since I have everything on auto-payment ). I logged on to print off balances on my student loans and realized I was past due several months. I immediately made the payment and set up recurring payments. 

The damage to my credit had already been done. I was reported as over 90 days past due on an account I had believed was in good standing. I called Navient to ask them to remove the past due and to address the issues with their faulty communication practices. They told me that I needed to submit a handwritten note and that their legal department would then " investigate '' to see if Navient did anything wrong. 

The thing is, the student loan process is already practically criminal with compound interest making it impossible for people to get out of debt. I am willing and able to make payments. I trusted what the agent told me when I first spoke with her. I trusted that when I asked if this took care of " all my student loans with Navient '' that she knew what she was talking about. How is it my responsibility to understand the inner workings of a clearly purposefully confusing process? 

I would like this information removed from my credit report immediately. I have every intention of paying my loans. The only reason these loans went past due was because I did not know they were due. If Navient had the correct information on file or if the agent I originally spoke with knew what she was talking about- this would not be on my credit report. I
Consumer complaint received 2018-03-17
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: AMERICAN EXPRESS COMPANY (TX)

On XX/XX/XXXXI my American Express gift card was fraudulent used through an unauthorized XXXX account ... i called American and XXXX to dispute this matter for 3 Months straight. Finally XXXX  released the funds back to American Express but the issue Im having is that American Express will not released the funds back to my gift card because I don't have proof of Original Purchase .... As I stated to American Express Customer Service is that I was given this card as a gift and when i was given this card I Activated this card via the American Express site .... I have been in contact with them Since XX/XX/XXXX and i can't seem to get any resolution. I faxed over my Driver License and a copy of the card as instructed but they refused to release my money ... I have email proof that XXXX sent the money back to american express and accepting responsibility for this matter ... Please Help!