davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (MD)

Upon reviewing my account with Toyota Financial CompanXXXX, I realize Toyota Financial has inadvertently miswrote my housing address which as a result caused me to not receive my billing statements. As a result of this address error, I did not receive my statement and was ultimately late on my account due to the creditors negligence. I am requested that this late payment be removed from my account immediately.
Consumer complaint received 2022-11-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc. (MA)

My account was comprised as a result of Binance 's failure to secure my account. 
Binance did not appear to be having any difficulty with allowing my account to be hacked, but once I informed them about what had happened it was very difficult to have them secure my account after which I discovered it was impossible to get my funds released, as their are designed to be has humiliating as possible, and Binance 's policy of not accepting the selfie video 's that is forced upon investors after they had deposited funds into the account guarantees that any funds deposited into the Binance account will never be returned.
Consumer complaint received 2020-10-21
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: RoundPoint Mortgage Servicing LLC (TX)

We refinanced our home. Payments were made during the process and not credited to the new loan amount in the amount of {$1500.00} XX/XX/XXXX We were told our loan had been through final approval via email XX/XX/XXXX We emailed processor and asked if the final loan amount would be updated to the correct payoff/refinance amount XX/XX/XXXX We were told via email that the title company and the closer would be collaborating fees, leading us to believe that the loan amount upon actual close would be updated and correct XX/XX/XXXX We were We via phone spoke with the title company twice *We had a very short time to set the close date XX/XX/XXXX Contacted the title company twice during the close process because the figures were incorrect XX/XX/XXXX Multiple phone calls to the mortgage company via phone to try and get in touch with the processor, the closer and costumer service during the closing XX/XX/XXXX Multiple emails to processor concerning the loan amount during closing *was told we were unable to get cash back at closing in Texas *was told it was a rounding issue, they rounded up to prevent getting cash back *was told we would get overage back after close *was told there were fees and interest *was told the loan officer would call me XX/XX/XXXX Loan officer called and emailed, we missed the call however we called and emailed back the same day. We were not able to speak with him XX/XX/XXXX Called and emailed the loan officer in an attempt to contact them again XX/XX/XXXX Called the mortgage company and the closer 3 times, trying to get in touch with someone who could help us address the issue. Was transferred to multiple departments, spoke with multiple people who could not help us. 

XX/XX/XXXX Called the mortgage company to leave multiple messages for the various departments and people we'd been in contact with. Was told that the loan officer would contact us - we never heard from him XX/XX/XXXX Lodged a formal complaint with the mortgage company via email XX/XX/XXXX Blanket response from mortgage company saying the issue was sent to the Customer advocate who would be in contact with us - we never heard from anyone XXXX Called the mortgage company using multiple numbers including the number in the Customer advocate email, was transferred around, left messages spoke with multiple people who could not help us XX/XX/XXXX Called the mortgage company attempting to seek help, no one could help us, could not help us, left message for the loan officer who we were told would contact us and did not hear from anyone XX/XX/XXXX Called the mortgage company again, was transferred and placed on hold almost 4 hours. We used another phone to call them again to speak with someone in management, placed on hold several times. No one was ever available. Left messages again, let them know the attempts and the problem, that we'd filed a formal complaint and were going to seek outside complaints. Have not heard from anyone.
Consumer complaint received 2021-03-30
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: EQUIFAX, INC. (SC)

Formal notice that you have failed to respond in a timely manner to my dispute letter of insert date, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.
Consumer complaint received 2020-10-21
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated (PA)

I checked my transaction history on XX/XX/2020 the same day I called the PA EppiCard Customer Service to report it, the first level customer service representative transferred me to level 2 customer service only time I had the opportunity to talk to them, the lady who answered " took my request '' for all the fraud transactions I had from XXXX to XX/XX/2020 almost {$1000.00} in total, they mailed a new card which I received 2 weeks later, time past and I didn't heard anything from them about the transactions, so I called again at the end of XXXX, the representative told me, he can see the request for a new card, but they never enter a dispute for all the transactions, since the end of XXXX I have been calling them in a regular basis ( once a week ) to be in hold on the second level customer line that never answer. Worst company ever, in the picture attach is my try last night XX/XX/2020, as I am writing this I'm on hold in the line waiting for the 2 level customer service representative to pick up the line, have been 50 minutes and nothing. The name of the rep in the first level is XXXX.
Consumer complaint received 2022-04-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (SC)

On XX/XX/2022 at XXXX I received an email from Chase Bank stating my new Chase XXXX XXXX account is open. At XXXX XXXX I received another email from Chase that my email address had been changed as requested. I did not open an account with Chase Bank. I went to Chase and they verified I had an account with my name, date of birth and social security number.
Consumer complaint received 2020-07-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (CA)

Was a customer with XXXX XXXX XXXX XXXX from XXXX to XX/XX/XXXX. Due to job relocation to another state, I had to return equipment and stop cable services in XX/XX/XXXX. I called and asked that service be stopped in XXXX and was assured it was done. A month later I was billed for services after the cancellation and equipment. I called and was told that equipment was received but billed in error for services after the cancellation {$270.00} and was assured it will be corrected. Around XX/XX/XXXX, they sent it to collections, I called again and it was removed and told errors have been fixed. Fast forward to XX/XX/XXXX, I notice a collection report on my credit from AFNI. I didn't receive any notice. Called to resolve and was told that they are just acting on behalf of XXXX XXXX XXXX. Attempts to resolve have been futile. I called XXXX XXXX XXXX and they say I do not have any account or balance with them yet AFNI claims I owe them. This has caused over 70 points drop on my credit score since they reported. I have disputed with the credit bureaus but AFNI still insist that I owe. I have requested proof of the debt but they haven't provided it.
Consumer complaint received 2020-05-21
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. (CA)

information was compromised during the massive 2017 XXXX  data breach, my ' private information, including names, Social Security numbers, dates of birth, credit card numbers and driver 's license numbers. I had Credit monitoring which seem to not help ive paid for Bureaus to alert me and Ive been lock out account made me economic deprived from loan if I need to seek financial help due to my credit I havent got to open and enjoy my credit because of the mess thats been going on for years of debt I hadnt accumulated Im a victim Ive took you guys to court which some due to my email being Compromised I lost a lot of documents I couldve helped me during my court process of me already being the victim of identity theft/data breach the increase that you guys have still havent approved my credit score is a XXXX theres a lot of suffering
Consumer complaint received 2017-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (TX)

There is a hard inquiry in my XXXX Credit file on XXXX XXXX 2016, which should not be there. I have never authorized Paypal to make any such inquiry against my credit. Please have XXXX to remove it as XXXX have already removed it.
Consumer complaint received 2022-09-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act Source Receivables XXXX XXXX XXXX  ) Account # XXXX and XXXX  account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Advanced Resolution Services Inc. (OH)

I am, XXXX XXXX XXXX, a natural-born life breathing consumer submitting this complaint to ADVANCED RESOLUTION SERVICES INC. , and there is no third party involved. ADVANCED RESOLUTION SERVICES INC., has violated 15 U.S. Code 1681b ( 2 ) by furnishing these inaccurate items on my consumer credit report WITHOUT MY WRITTEN INSTRUCTIONS OF I, THE NATURAL-BORN CONSUMER. I DEMAND REMOVAL/DELETION effective immediately and I DEMAND A COPY OF MY WRITTEN INSTRUCTIONS WITH A WET SIGNATURE. These items are inaccurate and different among all three credit reporting agencies. I ALSO, DEMAND ADVANCED RESOLUTION SERVICES INC., VERIFICATION METHOD. WITHOUT RECOURSE. 
I HAVE WRITTEN YOU ONCE, AND YOU FAILED TO REPLY CLOSING THE CLAIM FRAUDULENTLY, IF YOU DO SO AGAIN I WILL FILE LITIGATION.
Consumer complaint received 2017-08-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP (GA)

we were advised by the lender the file was removed from review due to missing items - All missing items were provided for the review 3 times and the lender refuses to accept the information being provided - it was requested to provide the clients husbands income for review of the modification - XXXX XXXX is not on the mortgage and did not start work until XX/XX/XXXX he has been unemployed since XX/XX/XXXX- XXXX does not have a bank account - all transactions are completed by cash only - there are no tax returns due to the business being only started since this year and he is not required to file for the earning of this year until next - We were also advised that a sale date was set on this file XXXX - when the file should and was under review with the lender - the lender has set this date for XX/XX/XXXX - this is considered Dual tracking and is in violation of Regulation X. The file should have been deemed complete for this review - the lender has been provided a letter of explanation regarding the husband 's income to satisfy their requests. We have also requested the income from the husband be excluded from the review if the Letter of explanation is not satisfying the requests. The lender has not completed the review of this loan properly and did not reviwe this borrower for all loss mitigation options available in violation of Regulation X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ).
Consumer complaint received 2022-11-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello, I open a bank of America checking account on XX/XX/22 via their ad email. Email advertised that I will get a {$300.00} bonus within 60 days after I meet the requirements. I met the requirements on XX/XX/22 I should get the bonus by XX/XX/22. But I don't. I called the bank, and they told me the promo isn't attached to my account. I need to wait 60 days for their decision. I clicked the link from their email to open the checking account, if the promo wasn't enrolled, that is their system issue. I have waited 107 days already. I can't wait 60 days more for the decision. Please help me with this issue. 
Thank you!
Consumer complaint received 2020-05-21
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: EQUIFAX, INC. (SC)

I requested a credit line increase with XXXX for my XXXX XXXX XXXX. The option I selected was for a instant credit line increase which specifically stated " this will not cause an inquiry on your credit report. '' No sooner than five minutes later did I get a notification of a hard inquiry on my Equifax report. I called to dispute this and they said they could do nothing about it and apologized. Unbelievable.
Consumer complaint received 2020-10-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc. (MA)

Hi First Credit Collections Services ; I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2017-07-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

I maintain a Regular Checking account with Bank of America, N.A. Bank of America recently announced that as of X/XX/17, all non-Bank of America customers cashing my personal check at a Bank of America location will incur an {$8.00} fee for each check over {$50.00}. Arguably unlawful, this practice is blatantly discriminatory towards those without the means, ability, or standing to maintain a bank account of their own ( e.g. the poor, illiterate, or undocumented ). It makes a mockery of the simple, time honored concept of a personal check. To wit, my personal check is my exact written order for the bank to pay the specified amount to the payee on demand upon verification of their identity and availability of funds. It is a service the bank agreed to provide to me in exchange for my maintaining a balance. The payee is not a part of that service agreement. Rather, the payee is being forced to pay a fee to obtain that which is rightfully theirs. In short, the bank is committing larceny while calling it a transaction. <P/>I have communicated my views on this proposed action to Bank of America but I am but one voice. I ask the CFPB to take action. Please do not allow this practice to stand. It is an avaricious, cynical corporate reach for dollars off the backs of those who can ill afford to part with it.
Consumer complaint received 2022-04-05
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.
Consumer complaint received 2021-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2021, XXXX XXXX XXXX added a derogatory mark on my credit report per Experian. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debt Creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and says it's mine. According to the FCRA, XXXX XXXX XXXX has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Consumer complaint received 2020-11-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX, Transunion and XXXX have violated my rights by reporting incorrect accounts that don't belong on my credit report. I have written these companies 3 times and I haven't seen or received any updates. This is unfair that I have to deal with this matter. AND THEY WONT RESOLVE THIS ISSUE.
Consumer complaint received 2017-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I have a Voice credit card through Huntington Bank, they mailed balance transfer checks to my address on file With a promotion of 0 % interest for 12 months. I used this for this first time on XX/XX/XXXX for $ XXXX- Huntington did honor it but it seemed to cause concern because since I have continually received calls from fraud prevention during my working hours to verify transactions. Huntington has been informed I am unable to take or make personal calls while at work. Therefore to set the record straight and make sure there is complete clarity and transparency, I want to inform Huntington bank that I have viewed all my transactions up to XX/XX/XXXX including the following pending transactions ; -XX/XX/XXXX. XXXX - XX/XX/XXXX Balance transfer for {$1800.00} These are all authorized transaction. Did I make myself clear enough..? Let me reiterate ; All transactions currently or pending as of XX/XX/XXXX are authorized by me. If Huntington is reckless enough to deny that balance transfer, it will cause be harm and it would be a violation of our contract. A reminder that this is a contract of Adhesion, meaning I have had no say to the terms, Huntington created these terms therefore If Huntington violates those said terms I could and likely would claim an Anticipatory Repudiation of the contract. <P/>Further, I have informed Huntington Bank that it has always been my policy for all correspondence to be done in a way that both sides has a written or recorded record to insure accuracy and since Huntington refuses to provide me with a copy of recording. I insisted all communication can be done via any written method ; Email, USPS, even Huntington 's own internal Chat system or message platform. However and somewhat incredibly Huntington seems to refuse to allow me with any documented record of any correspondence. From past experiences only entities with something to hide or knowingly violate agreements take that stance. XXXX XXXX is a great example ... <P/>With that said, I find it very strange and an admission of guilt that Huntington bank is again providing a written document of correspondence. If Huntington Bank has any further questions they have my email address if they want to do this via Phone then we can set up a conference call with my attorney