davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-25
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

I am XXXX XXXX XXXX XXXX, I am a XXXX and I was studying XXXX in your country with a XXXX. I opened an account in the Bank of America in XXXX, the account number is XXXX. 
XX/XX/XXXX I did an online transaction with my debit card, I paid XXXX dollars for eight ( 8 ) days in the XXXX hotel using a web site of XXXX. That company had a similar name of XXXX. When I received the confirmation email I realize that that company was strange maybe fraudulent. I called to the bank of America and blocked my debit card. After I called to the police and I called to bank of America again, and a girl said me that XXXX tried to get twice my money, then I started a process for a fraudulent website, but the bank made a mistake giving me XXXX temporary credits each XXXX for XXXX dollars. I returned XXXX credit XX/XX/XXXX in XXXX in an office, and I returned to XXXX XXXX XX/XX/XXXX and I did n't use the hotel. I did a deposit of XXXX dollars for the second credit from XXXX XX/XX/XXXX because the bank said me that it was n't a fraud transaction because I did it online. 
I did a new claim by non giving services to XXXX but XX/XX/XXXX the bank said me that the claim was closed and they did n't say me anything about the answer of that company. XX/XX/XXXX I called to bank of America front to cancell the account but they gave me another temporary credit that I did n't ask or want and they used this credit to lay the monthly maintenance fee. Now I am trying to return the credit to the bank but they do n't answer my calls if I use my account number. I do n't want to have his account opened because I am in another country. 
Please I want to close this account, candid it 's possible get my money back from XXXX. 
Thank you very much for your help.
Consumer complaint received 2022-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

After years of never looking at my credit report, I applied for credit and was told I have an old collection item. I contacted XXXX and was told they are collecting for another company, XXXX XXXX XXXX XXXX. They said that they were collecting for an anesthesiologist but could not give me the name of the doctor. 
I was then told that I could contact the hospital records department for that information. 
The hospital records department said the item is too old and I should contact the hospital records archive department. 
It became clear the collection agency XXXX was having me do their work in trying to verify the legitimacy of debt. 
I wrote to XXXX demanding proof that I signed any document or otherwise verbally agreed to pay for an anesthesiologist that I don't recall ever meeting or using their services. I asked for a response within 30 days. 
The response came in the form of an invoice from XXXX XXXX XXXX XXXX. The invoice had my name and a dollar amount due but had no authorizing signature as I requested. 
A second demand letter was sent explaining that they clearly missed the entire purpose of my first letter. 
I asked for a complete and adequate response within 15 days. 
XXXX and XXXX XXXX XXXX services have not removed this negative item from my XXXX or Equifax credit reports. 

Now I seek your help.
Consumer complaint received 2015-08-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Adler Wallach & Associates, Inc. (CA)

I was released on XXXX bond was not required. My family did not know that I was going to be released on XXXX They went to XXXX .the night I was released scared and not knowing what was going on and that my paperwork when I was released said OR. 
The Judge told me to have XXXX call him that I did not owe them. I then went to XXXX told them what the judge said. They just ignore me. I then went to judge he said I was not obligated to pay them.
Consumer complaint received 2017-03-23
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (AZ)

I am unable to get a FREE copy of my Equifax credit report. I am told I need to fax or mail ( at my expense ) supporting documents or I can pay for a copy of my report at {$7.00}. I spoke with XXXX in the Equifax Consumer Affairs department and ha refused to help me or to give me his supervisor to try and rectify the problem. He wanted to mail me my report but it would only go to an address on file which I have not lived at for 2 years. I want my free Equifax credit report as allowed by law without incurring any fees, charges or out of pocket expenses.
Consumer complaint received 2022-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

I made an extended warranty claim with Chase XXXX XXXX XXXX warranty company XXXX for a XXXX laptop  repair. 
I charged {$300.00} for the remaining balance when purchasing the laptop. Which XXXX XXXX XXXX said is fine. 
XXXX XXXX XXXX had me send my laptop to XXXX 's service center in New Jersey to get a diagnostic for the laptop. I am in California, so shipping with insurance across the country was expensive. 
The diagnostics billed was {$710.00} for a screen, battery, labor, and shipping back to me. 
XXXX XXXX XXXX had me upload the manufacturers warranty, sales receipt, credit card statement, repair invoice. 
All these interactions took XXXX XXXX XXXX days to get back each time one was uploaded. 
Which I think was intentional to frustrate card holders from making claims. 
Then XXXX XXXX XXXX came back and asked for more documents, now asking for a replacement receipt and cost of a new like replacement laptop cost. 
I do not hear back from them for days. I finally called because I had to heard back from them regarding my case. 
I called and talked to multiple agents, and they said if I could get XXXX to send a statement saying the laptop is not worth fixing due to its age, then they would move forward with a new laptop similar to my laptop old laptop. 
I contacted XXXX XXXX support via live chat and the tech suggested because of the cost of repair, I should just buy a new laptop if that was an option. Because it is a new laptop. 
So, I sent the chat to XXXX XXXX XXXX  and instead of them taking days to look at the information, this time they issued a response immediately that they are only going to pay {$300.00} and not the repair bill for {$710.00}. 
So, XXXX XXXX XXXX  tricked me and frauded me by telling me to request a statement from XXXX to say the laptop is not worth repairing, because they did not want to pay the repair bill. 
Multiple XXXX XXXX XXXX  agents straight up lied when they said the statement from XXXX would result in XXXX XXXX XXXX getting me a new laptop. 
So now I am on the hook for the remaining repair bill because XXXX XXXX XXXX decided to commit fraud to get out of paying for the laptop repair. 
I contacted Chase and they took a report but claim XXXX XXXX XXXX is a separate company and they can not do anything. Even though chase hired this company to manage its customer extended warranties claims. 

They are so dishonest. I told them I would report them and they told me " Who Cares, Report Us ''. They record all calls when calling to their customer service line. 

Also this dishonest company makes it hard to find its physical address.
Consumer complaint received 2024-02-22
Product: Credit reporting 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. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-06-09
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: General Motors Financial Company, Inc. (FL)

" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"
Consumer complaint received 2020-10-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NAVY FEDERAL CREDIT UNION (DC)

On XX/XX/XXXX I went into the Navy Federal Credit Union ( NFCU ) branch located at XXXX XXXX XXXX, XXXX, VA XXXX. I saw a teller to make a couple of transactions. I was paying some bills with the funds coming out of my checking account. I told the teller that I was making a payment of {$100.00} to my credit card and a {$100.00} payment to my personal loan. I told the teller that I wanted to pay my car note but that I was not sure of what the exact amount The teller proceeded to look up the amount that is due and also made it a point to let me know that my car loan was paid up until XX/XX/XXXX and I told her that I was aware and that I was making XX/XX/XXXX 's payment. The teller said ok. At the end of the transaction the teller gave me three slips showing that a payment was made to three accounts but the receipts do not say which account so I thought that everything was done and done  properly. It was not until XX/XX/XXXX around XXXX XXXX  that I realized there was an error because I had received and notification that there was a change on my credit report. So I proceeded to look at my credit report to see what the change was it said that my balance had increased by {$77.00} in interest due to a missed payment. I then reached out to NFCU around XXXX XXXX  to address had been posted to my credit report and it was at that time that it was discovered that the teller had taken my car payment and applied it to the wrong account. The teller told me that they could reverse the payment to the wrong account and apply it to the proper account. I explained to the customer service representative ( CSR ) that the account that my car note had been applied to was now closed because it was paid off. The CSR then told me that I could just make another payment it I wanted to but that since my auto loan was paid up for months in advance that it really would not affect my credit. I explained to the CSR that if that were true then I would not have gotten a notification that there was a change in my credit status. I have tried to speaking with a supervisor and was not able to get any assistance.
Consumer complaint received 2015-12-12
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (NY)

At XXXX XXXX XXXX my checking account w CHASE had a positive balance - I checked. When I woke up in the morning I was negative, charged XXXX insufficient fund fees ( XXXX X XXXX ) = {$64.00} for an overdraw of ( XXXX ) {$140.00}. Within hours I deposited cash and my account was restored to a positive balance. Chase has a policy if funds are presented before XXXX the same day, no charges are incurred. However, CHASE has refused to return the fees charged. I was given XXXX reasons : 1 ) i had used my XXXX courtesy fee reversals, 2 ) The funds needed to be in the account on XXXX XXXX. It was unfortunate for me a XXXX party failed to contractually deposit funds on XXXX XXXX ANd CHASE fails to care whether XXXX of the XXXX reversals were the fault of the bank. CHASE claims they provide all of these online tools to make sure consumers do not incur fees and make their experience better. However they failed to present me with any information ; they did not show these XXXX charges as my pending charges when i checked the status of my account at XXXX. They say they cant. How was I supposed to rectify the problem? Most importantly, i believe charging XXXX Dollars for covering XXXX Dollars for less than XXXX hours is pure usery and a violation of their fiduciary responsibility. Why this fee structure is not scaled is beyond me. Why I am paying over 70 % interest for a transaction that cost the bank pennies needs to be examined by CFPB. This is not about their XXXX XXXX XXXX this is about ethics and the spirit of the law.
Consumer complaint received 2017-04-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Recovery Solutions, LLC (NY)

I told them I did not live at that address but they put it on my credit report so I disputed it.   It was removed but put back on After the 7 year statutory period. I have Never lived at  XXXX   XXXX   XXXX ,  XXXX , Ny  XXXX !
Consumer complaint received 2022-08-15
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair credit Reporting Act, XXXX  Account # XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C. 1681 Section ( 602 ) states that I have the right to privacy. 15 U.S.C. 1681 Section 604 ( A ) Section 2 a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-03-16
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: CREDIT ACCEPTANCE CORPORATION (PA)

In accordance with the fair credit Reporting act XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 2020-10-16
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: BMO Bank, N.A. (IL)

My name is XXXX XXXX. I work as a XXXX XXXX XXXX XXXX for XXXX XXXX. BMO Harris keeps calling my work landline for debt collection. I have no account or debt with BMO Harris. They are calling my work number in error. I have asked many times over the past few weeks for them to stop calling this number. Every time I call a " manager '' says they'll remove me from their " List '', but after multiple weeks they still haven't resolved the issue and keep calling.
Consumer complaint received 2022-02-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MD)

I filed a complaint with CFPB in XX/XX/XXXX with hopes that I could stop a foreclosure sale on my home. I was previously under XXXX. XXXX bankruptcy but it was dismissed because I could no longer keep up with my plan payments. I also filed for a loan modification with PHH in XX/XX/XXXX. I phoned PHH and got an appointment with my relationship manager, XXXX XXXX. The foreclosure sale was halted and I consulted with a realtor to put my house on the market to sale it. I moved my items out of my home to have a few repairs done that my realtor suggested. Within a month of my home being on the market, I went to my house and I received a notice on my door from a company called XXXX XXXX XXXX. Apparently PHH hired them because my home was vacant. They had no way to confirm my home was vacant. I had a cash offer on my home but the offer was taken back after the notice from XXXX was put on my door and railings. The language on the letter stated I could not enter my home with calling XXXX. I filed a complaint through the XXXX  against XXXX XXXX XXXX. The company responded to the complaint stating they were hired by PHH to secure my home because of delinquency on my account ( see attachment ). On Wednesday XX/XX/XXXX XXXX XXXX XXXX broke into my home while I was not there and did something to my door locks. I plan to seek legal counsel for unlawful entry into my home. That is an illegal practice. PHH denied my loan modification and would not even allow to apply for a forbearance and I was not offered a repayment plan to help bring my account out of delinquent status. With all the government programs in place to help homeowners avoid foreclosure they have not helped me at all. PHH Mortgage is deceptive in their actions in helping me keep my home.
Consumer complaint received 2015-04-11
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Received XXXX from the following bank for which I have never had any borrowing business : Bank of America , N. A . 
XXXX XXXX XXXX XXXX, TX XXXX # XXXX Payer 's E.I.N. XXXX I have not had any credit card business, borrowing or etc., this is either a mistake, identity theft or fraud or intentional internal reporting to cover an internal fraud. Do n't know which. I have previously frozen my credit because of past identity borrowings. Turned this matter over my attorney, he says report this to your agency as bank refuses cooperation.
Consumer complaint received 2019-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Experian Information Solutions Inc. (CA)

On XX/XX/19 I was trying to obtain a loan the loan company needed a credit report. Experian offered it for XXXX for a 7 day trial. I cancelled it before the 7 day trial ended. On XX/XX/19 I received an email stating my report was free. I called XXXX XXXX XXXX to make certain it was cancelled. On XX/XX/19 I received a email from Experian stating there was a issue with my account. I called XXXX XXXX XXXX to inquire the automated ph stated I had no membership. On XX/XX/19 @ XXXX I called XXXX XXXX XXXX to speak to a representative to make certain that it was cancelled, he assured me I had no account. On XX/XX/19 I checked my bank account @ XXXX I see a XXXX posted transaction from Experian. I called the number XXXX XXXX to inquire on membership # that I never had XXXX and have yet to get my phone inquiry through automated phone system I want a full refund for this unauthorized transaction.
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Please note that I am the author of this complaint and all attachments. 

The credit bureau has violated 15 USC 1681i and 15 USC 1681e. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. All I have been getting are frivolous, XXXX automated responses. No real investigation was conducted after my initial dispute. 

The furnishers are in violation of 15 USC 1681s-2b ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 

After my dispute of the accuracy of these accounts, the furnishers falsely verified the reporting to be accurate and complete instead of deleting the account from my credit report. This is will non-compliance and I now have a claim under the FCRA with civil liability under 15 US Code 1681n
Consumer complaint received 2020-10-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (PA)

My mortgage was refinanced on XX/XX/XXXX from M & T Bank. Every year I would send my mortgage company my tax bill as instructed to be paid. I did not send them my bill as I knew I was going to pay off the mortgage. M & T ended up taking money out of my escrow to pay my taxes on XX/XX/XXXX {$5400.00} even though they knew they were going to get paid off. My new mortgage company paid the taxes on XX/XX/XXXX and my tax collected received the payment from M & T on XX/XX/XXXX and mailed the check back to the address from which it came. I was told by M & T that this was done by wire and that it had to be researched and that I would need to call back in 30 days! I told the agent the my tax collected received a CHECK and that it should be cancelled and a new one reissued to me ASAP and they said that is not how they do things. I called back on XX/XX/XXXX and was told to call back tomorrow as that would be 30 days ... .I called on XX/XX/XXXX and they said they received the CHECK back and that they will be reissuing the check and it could take another 2 weeks ( I still have my account with M & T ). I am very upset as they have been  able to hold my funds for 60 days now with no recourse or plan of action.
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In Accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX # XXXX, Collections : XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX Has violated my rights. 

XXXX XXXX 1681 Section 602 A. States I have the right to privacy 15 U.S.C Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years 15 U.S.C. 1681s - 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer to any consumer reporting agency if the person knows or has reason cause to believe that the information is inaccurate