davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-10
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

When I filed my XXXX Tax refunds direct deposit for IRS ( Federal ) and California Franchise Tax Board ( State ), I omitted the last XXXX digits of my bank account number. The bank involved is Bank of America ( BoA ). I contacted the IRS and BoA immediately after I noticed this problem but the bank is irresponsible and refuses to take any action even though they received my detailed notice and also the request from IRS. 
I informed the bank about my problem on XXXX XXXX, XXXX and notified IRS and California Franchise Tax Board on XXXX XXXX, XXXX. The bank representatives confirmed me that both deposit transaction slips ( for my tax refunds ) have my names on them and the amount matches with my tax refund amount. However to my big surprise, my tax refunds went into another person 's account with a complete different name. The bank should have rejected these XXXX transactions. The internal control of the bank is so bad that it does not review any transactions and refuses to correct the error even though they are informed about the problem. 
IRS sent out their request to retrieve back the incorrect deposited tax refunds on XXXX XXXX, XXXX through the XXXX XXXX XXXX XXXX XXXX by FAX, and the bank should have received the request immediately. However from XXXX XXXX to XXXX XXXX, BoA keeps telling me that they have not received any request from IRS and therefore refuses to take any actions to correct the error. On XXXX XXXX, XXXX, I was imformed by BoA that the bank did receive the IRS request on XXXX XXXX, which is totally contradictory to what the bank told me earlier. BoA told me there is insufficient funds left on that person 's account which received my Tax money. Therefore the bank can not fulfill the fund retrieving request from IRS. BoA should be responsible for this loss. 
I think that the BoA has a very bad internal control system. In addition, when I notified the bank about this urgent problem, the bank refused to take any actions and gave me misleading advice to just wait. This is dereliction of duty of the bank. It is really unfair. As a bank customer I feel very angry, and I want to take my money back.
Consumer complaint received 2017-02-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (TX)

I am disputing the terms, balance, and amount owed on my Navient student loan account. It appears they may have front loaded interest payments. Creating a problem for my principal to be reduced each month I 've been making payments. Loan seems to her higher each month instead of going down.it appears they 've shifted loan interest instead of principal. These a ruins were willful, intentional, and taken in bad faith. I am asking for accurate verification of debit, balance, interest and principal due on my loans. I 've been making payments on the loan for over 10 years with no change in principal balance.
Consumer complaint received 2016-10-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch (NJ)

BSI Financial mailed a Escrow disbursement check naming me and my EX wife the payees. I am divorced, quit claim deed was filed. There is an order of protection on file. I do not have any contact with my ex wife. I mailed in all documentation stating such. They were unwilling to reissue a check with only my name so I could cash it. So there is money sitting not being utilized because of this inconsiderate, corrupt company.
Consumer complaint received 2020-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report, which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : Bank of America {$360.00}
Consumer complaint received 2017-10-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: O&L LAW GROUP, P.L. (FL)

My bank account has be frozen. I was notified in a the middle of XXXX arrangements for my mother in law, that every account has been frozen for a debt I own but I not aware of anything that I am not trying to take care of. I returned home XXXX XXXX XXXX and they told me to contact O & L law firm in XXXX Fl I have left several messages and it 's Friday they not in the office. I pulled my XXXX and XXXX reports nothing about any judgements listed. I do n't know what to do still recovering from the storm no food in house and no money and my daughter at college ca n't get her money because my sis is on her account and now it 's locked.
Consumer complaint received 2023-04-15
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. (FL)

I Am A natural person, I am a living human being, I have rights under 15 USC 1681. 

XXXX is governed by 15 USC 1681. and they violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts. 

Account name : XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX  Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX. Account number : XXXX Account name : XXXX XXXX  XXXX Account number : XXXX Account name : XXXX Account number : XXXX INQUIRIES LISTED BELOW XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I reached out to XXXX well during the COVID months when the governor and federal orders were in effect to inquire about options with a job loss. I was treated very rude and ignored, no options. I was later told about an email that was sent months later, that went to junk mail so I didn't have an option to respond. After several months of XXXX reporting late to the bureau despite the Covid relief order, I reached out regularly nearly begging them to correct as it was ruining my credit! In fact, they reached out to me regularly for payments and I asked about the status of updating my credit report. Each time, I was told they don't have time to update, it was a big project etc. Finally I filed a XXXX XXXX XXXX complaint. That got the attention of administration XXXX XXXX that reached out immediately indicating he would rectify the problem. Despite his efforts to rectify the problem and update my credit history, somehow, I got a notification from the credit bureau that the account was deleted even more so damaging my credit as I had a lengthy credit history with XXXX. I reached out to XXXX to inform him of the same. I hand wrote each credit bureau to dispute and request them to contact XXXX directly to confirm and update my credit reports. I received an updated credit report saying updated, however, the late payments are still reflected on my credit report.
Consumer complaint received 2024-03-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: JPMORGAN CHASE & CO. (NY)

Chase bought First Republic Bank ( FRB ) in XXXX. We have been paying our mortgage to FRB and took advantage of a Covid forbearance plan for 6 months then reinstated payments. Once Chase bought FRB, we wondered how this might change our payment process but continued paying through the FRB app. In XX/XX/XXXX, we got a notice from C

hase saying the foreclosure process had been started and we owed thousands on our mortgage.

We have reached out to Chase at least half a dozen times to clear this up. Each rep at Chase has had a different set of instructions or understanding of the issue. They couldn't see that we had made ANY payments to FRB for the past year or so. We were assured that a knowledgeable rep would call back after each attempt on our part to sort this out. This has not happened and we are beyond frustrated. 

Two weeks ago we made contact with a " XXXX '' at Chase and she said we should submit a mortgage assistance application and then make an initial payment of {$5000.00} once our paychecks cleared the following week. When my husband called back last week to make that payment another rep told him she could not accept {$5000.00} ; only {$17000.00} would suffice. We explained ( once again ) the history and what XXXX had told us the week before. She said XXXX would call us to straighten things out. No call has come in. 

We have made every good-faith effort to pay our mortgage.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: HYUNDAI CAPITAL AMERICA (OH)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 604a section 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCs 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-11-27
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. (LA)

On XX/XX/2020 I submitted Disputes for unknown and inaccurate accounts on my credit report. I was a victim of XXXX Data Breach. I want to Delete all the unknown and inaccurate accounts or I will file a litigation.
Consumer complaint received 2023-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

I do not recognize any of the credit inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-27
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. (LA)

On XX/XX/2020 I submitted Disputes for unknown and inaccurate accounts on my credit report. I was a victim of XXXX Data Breach. I want to Delete all the unknown and inaccurate accounts or I will file a litigation.
Consumer complaint received 2016-05-26
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (NY)

can not contact experian, requesting a credit report online gets to an 'unknown error ' page, and asking me to send them a letter by US postal service - seems like they do not provide a service that works for what is available in 2016, artificial impediments.
Consumer complaint received 2016-07-23
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (CA)

I received collection notice from Credence in XXXX Texas claiming I owe them {$1700.00} for a debt owed to XXXX XXXX in California. I have paid that debt to another collection agency XXXX XXXX also in XXXX. You have investigated this before and XXXX XXXX sent you confirmation that I had paid them.
Consumer complaint received 2016-03-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NH)

I have sent XXXX disputes over the last three months with no repsonse. You say there verified under FCRA 611 15 U.S.C 1681 how are you verifying that information. By law you have to investigate every dispute you get. You have failed to do that. You need to show proof of the information in your records.
Consumer complaint received 2016-07-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (MN)

This credit account is inaccurate because the late payments reported are incorrect. The late payments correspond to errors committed by XXXX XXXX BANK Account # XXXX unilaterally and incorrectly reported payment of my mortgage history, this error was subsequently corrected and mailed into all XXXX credit bureaus ; nevertheless the late payments continue to appear on my credit report. I am requesting that all late payment history is removed due to this inaccuracy.
Consumer complaint received 2021-06-05
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. (TX)

Experian investigated my mortgage with XXXX XXXX XXXX XXXX mortgage and rather remove the late payment as the company requested. Experian went back and added old late payments from XXXX to my credit report on yesterday 30 late payments from XXXX, XXXX and XX/XX/XXXX. They also added a 30 day late payment from back back XX/XX/XXXX to my mortgage account that I had no knowledge this goes against my rights under the fair reporting credit act 15 USC 1681g. They have no right to put old data on my credit report as a consumers. Please help each are trying to refinance our home and these 4 late payments added late will kill our chances of refinance.
Consumer complaint received 2017-05-26
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Flagstar Bank, National Association (MI)

I secured  a   XXXX   XXXX   home equity loa n   XX/XX/XXXX  fr om AmTrust Bank in  XXXX   XXXX , Fl. The loan was to be paid off within 15 years from the date of the loan. There was never a discussion or agreement or notification that the loan provided the bank the right to call for full payment anytime after the first year. The bank in possession of my loan is New York Community Ba nk (   NYCB   ) in   XXXX , Ohio.   I received a letter from  NYCB      XX/XX/XXXX    t elling me my loan was to be paid in full     XX/XX/XXXX   .  I responded by letter that there was no way I could repay the loan in full and reminded them that the loan was for 15 years no t 10. Many lette rs have been trad ed and NYCB insisted th ey were within their rights to call the loan   XX/XX/XXXX .    Their arbitrary due date has passed. I continued making payments and my   XX/XX/XXXX   payment was returned to my bank and I received a letter advising me that I owed over  18K a nd that it was past due.   The bank has sent me mortgage assistance forms to verify my inability to pay the loan. I am very uncomfortable returning documentation with my signature to a bank that operates in the manne r of NYCB..
Consumer complaint received 2021-06-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

This frivolous account remains on my credit report despite many written complaints to the three credit bureaus. In my First Dispute, I ask that the account be checked and " confirmed. '' According to the three credit bureaus, this company " confirmed '' that this item is being " reported appropriately. '' As a Second Dispute, I request that the First Request be Reinvestigated, because the bogus account is still on my credit report. Following the Second Dispute, the three credit bureaus indicated that this company " confirmed '' that these things were " reported appropriately. '' As a third point of contention, I asked, " Who validated these accounts? '' How did these accounts become verified? Provided me with copies of ALL original documentation ( s ) on files, such as contracts or legally enforceable agreements ( as proof ), with my signature on it pertaining to the disputed account. This company was unable to supply me with a copy of ANY original documentation for this item that I sought. I DEMAND THAT THIS ITEM BE REMOVED/DELETED IMMEDIATELY FROM MY CREDIT REPORT. 
I fully intend to file a lawsuit in accordance with the FCRA to enforce my rights, seek relief, and obtain all monetary damages that I may be entitled to as a result of your continuous willful and careless non-compliance under Sections 616 and 617.
Consumer complaint received 2017-02-27
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (MO)

I would like to know how does the credit bureau maintain your credit score. I paid off several credit cards last month and I see that the accounts are showing paid in full on my report. However, my credit score is extremely low and I recently tried to refinance my car and was given a higher than usual interest rate, which should have been the reverse since I paid off the majority of my loans and credit cards. I need to know how do the bureaus keep reporting low credit scores when it 's obvious the debts are paid. I have no collections, no judgements and few inquiries. I once read that credit bureaus make more money when people have low credit scores. If this is such, then the whole fair credit reporting act should be thrown out the window when Credit Bureaus are allowed to report inaccurate scores.
Consumer complaint received 2015-12-28
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: STERLING JEWELERS, INC. (AL)

I am filing this complaint because Sterling Jewelers/ Kay XXXX is excessive in their attempts to collect on my account. They call me in excess of 20 plus times a day and leave several messages about the account. They sometimes call several times within the same minute from various numbers. I am not able to talk on the phone at work and I have come back to XXXX missed calls within a 4 hour period.
Consumer complaint received 2016-12-25
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: AutoMoney, Inc. (SC)

I have had XXXX or XXXX title loans with Auto Money in XXXX XXXX, SC. The first XXXX were paid off by another title loan company. But the next XXXX or XXXX have been renewed. About three months ago I got behind and the I was told by Auto Money in XXXX, SC to call the district manager, so I did. I spoke with him and he told me to call XXXX in XXXX XXXX to see what I could pay. I told XXXX that I could pay {$100.00} that day and the other {$370.00} in three more days. He stood right there and said OK, well the next night my daughter and I were at home and a repo company pulled in our driveway and hooked my car up. The driver told me to call the company, so I called the District Manager at that moment and he said yes, we had to take it. I had to pay about {$900.00} and some change to get it back. It took my whole check for about three or four weeks straight. I only have XXXX vehicle and they knew this. Since then I have received a new loan and the first payment was due on XX/XX/2016, well I received a right to cure letter on XX/XX/2016.That is not fair at all. This company is the most complained about company around and something has to be done about them. Thank you.
Consumer complaint received 2024-02-07
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

You must respond within 15 days as mandated by law, or face potential fines up to {$1000.00} for non-compliance. 
Please send me the detailed procedures taken when obtaining the investigation results for : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-02-28
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: WELLS FARGO & COMPANY (IN)

I was a personal assistant to XXXX. XXXX had a checking account with Wells Fargo. He and I went to a Wells Fargo branch and opened a bill payment account attached to his checking account for me to pay bills. At that time, the banker asked if we wanted a credit card attached to this account. XXXX said yes. When the first bill was received, I became aware that the credit card was issued in my name only. XXXX was not on it anywhere. He had charged on the account. Now I do n't work for him and I am stuck with the bill. He has no access to it or does not receive billings. I have tried to straighten this out with Wells Fargo with no luck. They say that I can report XXXX for fraud for charging on my credit card. He did not fraudulently charge on the card. We both thought it was his with me as being able to use it. Not until we received the first bill did we realize what she did. I no longer work for XXXX and I am stuck with this credit card bill that is n't my charge. Wells Fargo opened this account in my name only without my knowledge. They are the ones that committed fraud.
Consumer complaint received 2017-10-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Franklin Collection Service, Inc. (GA)

In reviewing my credit report when applying for a mortgage, I noticed a debt from XXXX XXXX XXXX. Mailing address : XXXX XXXX, XXXX, Mississippi XXXX. On XX/XX/XXXX, I sent a debt validation letter to Franklin Collection Service requesting verification of the amount of the debt, the name of the creditor to whom the debt is owed, verification of the debt and proof that they are licensed to collect debts in the State of Georgia. The letter was sent via Certified Mail and I received confirmation that the correspondence was retrieved from the post office on XX/XX/XXXX. As of today 's date, I have received no response from this debt collector. This debt is listed as a {$31.00} charge which I would have certainly paid had I received notice and verification of the debt prior to it being reported to XXXX. A copy of the XX/XX/XXXX correspondence and confirmation of delivery is attached. As of today 's date, XX/XX/XXXX, I have yet to receive verification of the debt.