davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-14
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AP)

I am a United States citizen XXXX  at XXXX XXXX XXXX in XXXX my wife is an XXXX XXXX member of the United States XXXX. I arrived at XXXX in XX/XX/2021, and in XXXX arranged to purchase a car from a XXXX auto broker. 

I contacted Bank of America on XX/XX/XXXX to inquire about wiring the cars purchase price to the broker to complete my purchase, and was assured by the XXXX XXXX  customer service agent that, although the default limit for an international wire transfer was {$1000.00}, they would able to wire as much as {>= $1,000,000} ( which well exceeded the vehicles purchase price of approximately {$65000.00} ). After receiving the final invoice and payment instructions from the broker, I logged in to BofAs website to initiate the wire, but the website refused to allow a transfer above {$1000.00}. 

I contacted BofAs representatives again on XX/XX/XXXX, who then informed me that due to an ongoing change to their verification system, they would be unable to process the wire until at least the end of the month. They did note that they would be happy to verify and complete the transaction if I visited a BofA branch, but as the spouse of an American XXXX  XXXX  in XXXX, that is not a possibility for me. While some representatives were kind enough to escalate the situation to their superiors, those persons, when I was even able to reach them, refused to provide any solutions to allow me to wire my money. Furthermore, I was informed that I could not even make a domestic wire of greater than {$1000.00} had I not had a previously linked account with another financial institution, I would have had severely limited ability to withdraw nearly {$100000.00} I had in BofA accounts. 

To say this situation is absurd is an understatement the essence of a banks purpose is to move capital between persons that have capital and need it, and for BofA to take such a critical system offline defies logic and violates their fiduciary obligations. I understand and appreciate the need for proper verification of the person making a wire in order to prevent fraud and theft, but refusing a customer any means of verifying their identity in order to make a needed transaction in a timely fashion is comparable to theft in its own right. Furthermore, the utter disregard for American XXXX, their families, and other Americans unable to physically visit a branch is astounding.
Consumer complaint received 2021-06-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: U.S. BANCORP (NJ)

On XX/XX/2021, I opened a new checking account at US Bank branch at XXXX XXXX, UT with a promo code XXXX that gives me {$300.00} after meeting certain requirements. From the fine prints available at opening this account, the requirements are : 1. open a new checking account other than student or safe debit account by XX/XX/2021 ; 2. complete recurring direct deposits that total {$3000.00} or more within 60 days of account opening ; 3. enroll in e-statement by XX/XX/2021. 

For requirement 1, my checking account is the basic easy checking account and I'd never had a connection with US Bank before. Therefore it is a new checking account of eligible type. 
For requirement 2, I made 3 direct deposits of {$2000.00} each that total {$6000.00} on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, respectively. Therefore recurring direct deposits totaling {$3000.00} or more were completed within 60 days of opening the account. 
For requirement 3, I enrolled e-statement when I opened the account. Therefore it is met, too. 

The fine prints of the offer say the bonus will be deposited within 60 days after all requirements are met and verified. After more than 3 months I met all the requirements, I still didn't receive {$300.00} bonus. I made multiple calls over the past 3 months to US Bank but it didn't get solved. Until XX/XX/XXXX, I got a call from US Bank and the person in the call told me I did not meet the requirement because I had to make direct deposits of at least {$3000.00} in each single deposit. 

For such obvious misleading and made-up excuse of not grant me the bonus, I tried to have some questions clarified in the call but that person failed to do so. The fine prints of the offer clearly say " direct deposits that total {$3000.00} or more '', by which a normal person would interpret it as " multiple deposits as long as they add up to at least {$3000.00} ''. But that person stubbornly insisted it has to be one single deposit of at least {$3000.00}.
Consumer complaint received 2018-07-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: AES/PHEAA (MO)

Took out a student loan for XXXX University in XX/XX/XXXX for just that year to pick up courses. I was eventually charged over {$33000.00} for one year of online classes. I do not know how it became so expensive ; I did not sign for that much money. How is it possible to spend that much? I feel like I am being ripped off. I think the loan company is taking advantage of me and adding to my loan. I have been paying twice a month ( averaging {$400.00} per month ) since XX/XX/XXXX and it is still over {$20000.00}.
Consumer complaint received 2019-08-13
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Comerica (FL)

I received a US Direct Express card and it was an over payment from the government and wanted this money returned to the government ; however, when I went to retrieve this money I couldn't use this card. By some strange incident I received a text stating that my card would arrive the next business day, Tuesday XX/XX/2019 via XXXX to XXXX, FL, which it was delivered there and left by the driver on the front porch as noted in my text from tracking the card,, but I live in XXXX, FL??? I immediately called Direct Express who cancelled that card and sent me out another one, yet the card I received is again saying this is an invalid number. Although this has happened before and I called Social Security and reported that someone was attempting to impersonate me and take my money, my sister made some changes to identify me, but when I called I was told that no changes had been made. I believe that there is some inside fraudulent going on at Direct Express, to help others that maybe experiencing this same ordeal and not receiving their money. I have changed my account to a bank so I'm no longer affected by this, I just want it on record that I was trying to return the XXXX back to the government and someone inside Direct Express is bent on getting this money and probably a lot of others ' money also and having Social Security replace this money as they told me they would do, if I didn't receive my money, which I did ; however I and was hoping to return the money that the government put on the card, hopefully you all can get to the bottom of this scam that is going on inside Direct Express ( the card number I will provide is the one that was sent to me but it says it's not valid )
Consumer complaint received 2017-12-22
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: TOYOTA MOTOR CREDIT CORPORATION (NV)

Briefly, on XXXX XXXX XXXX, my spouse and I went to XXXX XXXX in XXXX Nevada to purchased a new vehicle. We heard from previous customers that XXXX XXXX has a Lifetime warranty on certain vehicles. We found a XXXX XXXX XXXX so we purchased it. The finance person asked if we wanted an extended warranty which confused us. Instead of arguing, we just said yes to the extended warranty. We put no money down and signed our contract! The next day, XXXX XXXX called us stating that we were not approved for the vehicle loan. XXXX XXXX also stated to return the vehicle or we need to put {$4000.00} down on the vehicle. On XXXX XXXX XXXX, we went back to XXXX XXXX and put {$4000.00} toward the vehicle and signed a new contract. Then, on XXXX XXXX XXXX, we received a letter and a warranty book from XXXX XXXX. The warranty book reflects the following ; multiple complimentary servicing, a complimentary tire for life coupon along with a Lifetime of Ownership Warranty. After that, we were very confused and felt that XXXX XXXX charged us an extra {$1900.00} for an extended warranty when they did in fact have a lifetime warranty! We then contact XXXX XXXX office and notified them. We contacted XXXX XXXX and XXXX said that XXXX XXXX does not offer Lifetime warranty. I notified XXXX that XXXX XXXX, there other company does in fact offer a lifetime warranty. I also stated that per Nevada law, if something is in writing, the business must honor what 's in writing! As of today, we have had issues with our vehicle and XXXX XXXX does not want to honor the Lifetime of Ownership warranty that they gave to all there customers. We feel that this is misleading and possibly criminal! The XXXX XXXX must be held accountable for their dealership actions which must be addressed! Please review our attached complaint along with the documentation provided which goes more in detail regarding this complaint.
Consumer complaint received 2020-09-07
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. (MO)

I am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. I am a insert profession here and my credit is crucial to my ability to make a living. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. I'm sure you'll agree it needs to be removed ASAP. 


The following information therefore needs to be verified and deleted from the report as soon as possible : I dispute : XXXX XXXX XXXX- Not Mine delete/remove from my credit file. 
I dispute : XXXX XXXX Not mine delete/remove from my credit file. 
I dispute : XXXX XXXX XXXX- Not Mine delete/remove from my credit file. 
I dispute : XXXX XXXX XXXX Not Mine delete/remove from my credit file. 
I dispute : XXXX XXXX Not mine delete/remove from my credit file
Consumer complaint received 2020-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

My name is XXXX XXXX, and I am having some problems with inaccurate information that has been on my report for several years I have attached a copy on my ID for the correct spelling of my name. Please remove any and all variations of my name and misspelling. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX. Please delete the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX I have never had these numbers at all please delete these cellphone numbers that do not belong to me : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2017-12-20
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ad Astra Recovery Services Inc (TX)

Ad Astra claimed they have sent documentation and as of this date there has not been anything delivered. I have even checked with the post office and they do not have anything. I am requesting a deletion of this account from all 3 credit bureaus. I have even requested two times about a pay for delete and in no way am I acknowledging this is my account. I just want it removed from my credit reports.
Consumer complaint received 2021-06-26
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SIRY INC., DBA SIRY AUTO GROUP (CA)

I purchased a vehicle on credit from Siry Auto Group XX/XX/2020. On XX/XX/2020 they left me a voicemail stating the bank rescinded the contract and to return the vehicle. On XX/XX/2020 I recieved a letter stating " I was currently in default, I am delinquent, demanding payment in 15 days or legal proceedings would commence, and they also stated they the car lot also rescinded the contract on XX/XX/XXXX. '' On XX/XX/2020 I came out to my vehicle and I witnessed a tow truck the car lot owner seizing my vehicle 40 days after I drove off the car lot with my vehicle. They reported the vehicle repossessed to the police department. Six months passed by I never heard from the car lot who seized my vehicle. I served them papers XX/XX/2020 summoning them in a federal district court which is now in litigation. Im a consumer, creditor and this is abuse. I've been injured and it has put a restraint on my life and family. Siry Auto violated my consumer rights and the law when they had no present right to seize the vehicle also sending abusive letters and leaving deceptive voicemails stating I was in default when I disputed the alleged debt. Went into the car lot and extended my credit as a creditor and they took adverse actions against me. Under Equal Credit Opportunity act, Fair debt collection practices act, Consumer credit cost disclosures there was multiple individual actions taken place against the consumer
Consumer complaint received 2021-07-14
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: EQUIFAX, INC. (MD)

I have submitted various complaints and written many letters about a bankruptcy being reported on my credit report. It is listed that the information is provided by the US bankruptcy court. I have a letter stating the is not true from the US bankruptcy court. Then I was informed that the information was provided by XXXX was is illegal for a third party to dirt up something then sell it without my written permission. But XXXX did not provide the information because I opted out of their system. I don't give anyone permission to provide my information. FCRA laws state that my permission is needed in order to put things on my credit report and if permission is not granted and I dispute, it should be deleted.
Consumer complaint received 2019-08-17
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Partners Financial Services Inc (MO)

Every year Partners financial services goes to court to garnish my minimum wage job they are an affiliate of XXXX XXXX XXXX   school. The first court hearing i did not even have an opportunity to talk to a judge and i could not afford a lawyer. Each year they go to court without my knowledge and keep renewing their garnishment without a notice to appear or any way to fight them. I cant even get appropriate account numbers to identify them. I was not healthy enough to pass the DOT physical exam due to health issues and I weighed over 500lbs. I have been told it is a debt and i will pay said debt. They report to credit agencies that i do not pay them when they do get paid they garnish a minimum wage job. I cannot even get a car loan to get to my job.
Consumer complaint received 2019-08-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (MA)

On XX/XX/2019 applied for a loan. After receiving the stipulations for the loan via email I sent a message stating I know longer wanted the loan approximately 1 hour after. I called them and sent multiple emails requesting not to put the loan in my account. Spoke with someone on the line they took all the information. On XX/XX/XXXX the loan was put in my account. OnXX/XX/XXXXI  have tried numerous times to send this money back. I had 24 hours to cancel loan the message came in at XXXX XXXX  XX/XX/XXXX I responded at XXXX XX/XX/XXXX I didn't want this loan and to cancel
Consumer complaint received 2019-08-13
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: SUNRISE CREDIT SERVICES, INC (NJ)

The account that was reported on my XXXX  profile is inaccurate since I do not have the address at the time the service. I ask also do not receive any correspondence from Sunrise credit service about the money. 
I want Sunrise credit services to delete this frivolous charges.
Consumer complaint received 2019-08-13
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. (FL)

XXXX, mortgage servicer for XXXX, reported late payments to all three credit bureaus while I was on a national declared disaster ( Hurricane Irma,  Florida ) forbearance and then a mutually agreed mortgage modification with XXXX. They directly reported a 150 day late on XX/XX/XXXX and reported as ND ( Not Due ) on every other month from XX/XX/XXXX thru XX/XX/XXXX. The 150 day late reported by XXXX on XX/XX/XXXX should also be reported as ND ( Not Due ) as I was on their forbearance and modification agreements, as attached. 
XXXX is involved in a number of law suits for reporting erroneous mortgage information and was subsequently forced by XXXX to transfer all servicing to XXXX XXXX which is now my XXXX servicer.
Consumer complaint received 2019-08-13
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. (MN)

I am a victim of identity theft. The following accounts and credit inquiries listed on my XXXX XXXX, Equifax and XXXX credit report are all fraudulent and do not belong to me : XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX and XXXX XXXX. I been receiving phone calls at my home and employer of profane and vulgar language, abuse, legal action, job loss, jail, prison, threats of violence and death from the above creditors debt collection representatives. The above creditors are in violation of the Fair Debt Collection Practices Act ( FDCPA ) under federal and state law.
Consumer complaint received 2019-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MO)

Please remove the 4 telephone numbers that's on my credit file. 

Last four the numbers to be removed. 

1 ) XXXX 2 ) XXXX 3 ) XXXX 4 ) XXXX Also please remove XXXX as my employer. All the above information is old and no longer shall be a part of my file.
Consumer complaint received 2019-08-13
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: Experian Information Solutions Inc. (NJ)

I have erroneous reporting by XXXX XXXX XXXX  on my credit profile. I was deceptively informed by the customer service representative that I could make lump payment for my current bill and the following month. I was not told that that was not possible that two month have to be scheduled differently. I paid {$100.00} in XX/XX/2019 thinking that I have made payments for two months and also paid {$85.00} in XXXX. It was when I was talking to a customer representative yesterday about report of late payment that I was told that the information that I could make lump payment for two months erroneous. 
Please, XXXX XXXX XXXX need to remove these two late payment from my credit file.
Consumer complaint received 2019-08-13
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. (MN)

I am a victim of identity theft. The following accounts and credit inquiries listed on my Trans Union, XXXX   and XXXX credit report are all fraudulent and do not belong to me : XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX and XXXX XXXX. I been receiving phone calls at my home and employer of profane and vulgar language, abuse, legal action, job loss, jail, prison, threats of violence and death from the above creditors debt collection representatives. The above creditors are in violation of the Fair Debt Collection Practices Act ( FDCPA ) under federal and state law.
Consumer complaint received 2020-11-04
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. (TX)

Inaccurate information on credit report. FTC violation. 

address : XXXX XXXX, XXXX, TX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX phone numbers : ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX XXXX XXXX XXXX  : XX/XX/XXXX {$220.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$430.00} XXXX  XXXX XXXX  : XX/XX/XXXX {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX  XXXX  XXXX.
Consumer complaint received 2020-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IN)

Re : Improper Student Loan Default Status When CARES Act was passed, money that was seized from my tax returns was returned to me, but my loan was paid off. Why would the decision be made to undo the payoff? That was out of my control and now the default status is affecting me closing my mortgage loan in the next two weeks. There must be an alternate status that my loan could be placed in at least until XX/XX/XXXX. I called to make new payment arrangements, but the DEFAULT status is hurting me right now. 
The Department of Education immediately placed my loans into default. It is my understanding that the CARES XXXX was to provide temporary student loan relief in three critical areas through XX/XX/2020. 

-Student loan payments are paused -Interest is suspended -Collection on defaulted federal student loans is stopped Please help me with this promptly. I really need my home. 
Why is this affecting me BEFORE the XX/XX/XXXX deadline?