davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-28
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (CA)

I have had trouble making payments on my Macy 's credit card. I do all of my payments online and Macy 's is the most troublesome. They offer a payment tab on their store credit card online account profile but the site is almost always blocked. I tried from several sources to complete this request and then resorted to calling them at their customer service line XXXX @ XXXX, only to hear a message stating that I should call during regular business hours. Making it this difficult to make a payment is their standard memorandum operandi. I now have to go back to paper billing to have a consistent and reliable way to pay my bills.
Consumer complaint received 2023-03-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous and misleading. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$410.00}, XXXX XXXX XXXX XXXX  Balance : {$8.00}, XXXX XXXX Balance : {$5900.00}, XXXXXXXX XXXX XXXX Balance : {$23000.00}, XXXX XXXX XXXX Balance : {$1400.00}, XXXX XXXX XXXX  Balance : {$950.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00},
Consumer complaint received 2017-02-14
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I went to Bank of America Branch XXXX on XXXX XXXX XXXX in XXXX XXXX Every month I deposit my rent in landlord BOA Account. I usally do a cash advance from my credit card and then deposit in landlords account. Branch was unable to process cash advance due to their machine being offline. Teller manager suggested I go to branch XXXX on XXXX XXXX XXXX as their machine was working to process cash advance. Went to branch and was told by teller that BOA did not process cash advances for non-customers. As I have done this at BOA for the past two years I went to manager for clarification. the manager, XXXX XXXX told me that BOA stopped doing cash advances for non-customers about one year ago. I questioned this again and again but was sternly told they would not process this. I then call BOA corpoate and was told I was lies to. I filed a complaint through BOA corpaorate and the first branch I went to. Both said BOA did process cash advances for non-customers and I was not told the truth.
Consumer complaint received 2016-12-23
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO. (TX)

Chase decided to blatantly break the XXXX law XXXX and illegally prey on XXXX citizens above the age of XXXX, potentially also violating federal age discrimination laws. They are falsely and thus illegally advertising that they are giving medical alert services for free when they really are n't. XXXX citizens who may be suffering from XXXX due to age are especially vulnerable to Chase 's sick and illegal behavior.
Consumer complaint received 2021-06-03
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. (GA)

ON MY CONSUMER REPORT I REALIZED THAT THERE WERE ACCOUNTS THAT WERE OPEN FRAUDULENTLY IN MY NAME. I DONT KNOW HOW SAID PERSON GOT MY INFORMATION TO OPEN THIS ACCOUNT BUT THIS IS VERY SCARY. I AM WRITING THIS COMPLAINT TO LET YOU KNOW I DID NOT AUTHORIZE THIS ACCOUNT AND IT NEEDS TO BE DELETED FROM MY CONSUMER REPORT IMMEDIATELY PURSUING TO 15 U.S. CODE 1602 ( P ). THIS IS A VIOLATION TO MY RIGHTS OF PRIVACY ACCORDING TO 15 U.S. CODE 1681 ( A ) ( 4 ) BECAUSE INACCURATE INFORMATION IS BEING REPORTED ON MY CONSUMER REPORT THATS MESSING UP MY LIFE WHICH I DID NOT AUTHORIZE DUE TO IDENTITY THEFT, YET YOU REPORTED IT ON MY CONSUMER REPORT WITHOUT MY WRITTEN PERMISSION ACCORDING TO 15 U.S. CODE 1681B ( A ) ( 2 ) WHICH IS AGAINST THE LAW AND IS ANOTHER FORM OF IDENTITY THEFT.

THE ACCOUNTS BELOW WERE NOT AUTHORIZED BY ME NOR CAN IT BE VALIDATED THAT I OPENED THESE TRADELINES. ACCORDING TO THE LAW 15 U.S. CODE 1681S-2 ( A ) ( B ) NO AGENCY SHOULD BE REPORTING INACCURATE INFORMATION ON A CONSUMERS REPORT AND IT SHOULD BE DELETED IMMEDIATELY. I WILL PUT THE INFORMATION OF THE ACCOUNTS BELOW AS THIS IS INVOLVED IN LITIGATION. 

XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX
Consumer complaint received 2016-02-25
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Bank of America called a former employer of mine because they informed that Bank of America called looking for me, I had told me that I no longer worked there. My former employer was upset and then I called in back in XXXX XXXX or XXXX XXXX when my payment was held by the credit department and this occurred twice. I actually spoke with someone in that department and they verified that information. Bank of America can remove the negative mark off my credit because per XXXX companies can do a goodwill intervention once and remove it if they wish to, he states that companies hate to do it but they can ask the credit report to remove negative information. I had a negative mark removed by another company via goodwill intervention. The credit bureau states that Bank of America does not like to remove negative marks but they can remove it if they wish. I asked them to remove it but I was told they could n't. I also spoke with a credit law attorney and he advised that he has heard several complaints about Bank of America telling customers that they ca n't do a goodwill intervention, he advised most companies will only do it once for the life of the account but he does not know why BOA is giving out bad information. I want the credit marked removed de to misinformation being given by customer service and the credit department ( I talked with them twice because they did not credit my funds right away ). No one at Bank of America is worth talking to because they never take responsibility. I work in the credit department and I know they could do a goodwill intervention once.
Consumer complaint received 2022-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I moved from XXXX XXXX XXXX XXXX ( which is managed by XXXX ) in XX/XX/XXXX. I was employed by them currently. I didn't know that I had this debt until XX/XX/XXXX. I called XXXX XXXX XXXX and asked what the cost was, I thought it was a final water bill. They look it up and was told it was my employee discount. I asked for a dispute. I called XXXX XXXX XXXX XXXX and spoke to the manager XXXX and she said that she would be waiting for them to call and would take care of it for me. I called XXXX XXXX XXXX again to let them know, they were able to take care of it from XXXX. I wasn't aware that I needed it to be disputed from all XXXX beaus, I thought it would be automatic. I have been looking at this since XXXX and filing disputed with TransUnion only to find out that it doesn't matter. It can not be removed, and they do not communicate. I do not owe this debt. Please help me. It's ruining my credit and XXXX XXXX XXXX should have contacted the TransUnion to have it removed.
Consumer complaint received 2018-03-16
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/XXXX and XXXX a hold was placed on two deposited checks ... ..the bank then closed my account ... After much follow through I submitted the letters and all that was needed to release these funds .... Bank of America claims that on XX/XX/2018 a Certified Check for the {$3100.00} was sent to my FORMER address at XXXX XXXX XXXX XXXX XXXX in XXXX, TX. The check was never received. I moved to the new address on XX/XX/XXXX and had left a forwarding address with the USPS. I called the bank on XX/XX/XXXX and let them know I had not received the check and my new address. As of today XX/XX/XXXX I still have not received my check or money and I have been told by Bank of America that I will have to wait another 90 days before they can issue a new check. The business that I needed to pay with this money is still waiting for their funds and is about to start legal procedings with me to get this money back that I am still waiting for ... .. I need this money and check issued to me immediately.
Consumer complaint received 2019-02-24
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: VW Credit, Inc (VA)

About a year ago, I received a couple of emails from VW offering me to turn in my leased vehicle and lease or purchase another vehicle. The lease on my old vehicle matured on XX/XX/XXXX. I visited XXXX XXXX in XXXX, VA and agreed to a new vehicle. When negotiating the price, I explicitly told the dealer I wanted all charges rolled into the bottom line. I left the dealer with a new car and at the time, no further charges owed. I did not sign or receive any documentation countering my belief. I turned the vehicle into the dealership on XX/XX/XXXX. 
In XX/XX/XXXX, I received a turn-in settlement invoice from VW Credit with a request for a {$1400.00} payment. I contacted VW Credit on XX/XX/XXXX to inquire about the charges and I was basically told " those are the charges, can't help you ''. On XX/XX/XXXX, I received an updated bill for {$2200.00} with no explanation. On XX/XX/XXXX, I, again, contacted VW Credit and was told that the charges needed to be recalculated because they were totaled incorrectly. I was also told that I would receive a return call explaining said charges. I never received that call. Two months later, I called again. Bottom line, I asked for a detailed billing statement for all charges as I had not received one. I was also told that my vehicle was sold at auction for a loss and that total was factored in obtaining the payment total. That total was compared with excess mileage and excess wear. The excess mileage charge was included in the turn in payment and I disputed the damages as I turned in the vehicle in excellent driving condition. The VW Credit agent told me it took 7 days after I relinquished my vehicle to the dealer for someone to inspect it and come up with a bottom line. About a week after this call, I finally received a detailed billing statement. And to my surprise, a different total - {$1600.00}. 
Just to pile on even more, VW Credit referred this bill to a debt collector. 
When I talked to the debt collector, XXXX XXXX XXXX XXXX XXXX, on XX/XX/XXXX, I told them that this account was in dispute and not call me anymore until resolved. The agent told me that I needed to pay off the debt for whatever amount even after I told him about the dispute. He could not give me a total amount even after I laid out the situation. He said pay the amount that was the most and worry about a resolved total later. He continued to press the issue of payment and I told him I would not pay it until resolved. I asked him and the company not to call until resolved and he tried one more time to get me to pay.
Consumer complaint received 2016-03-03
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I had requested to Bank of America that I wanted to place my home up for short sale 2015. I fax documents to the for approval that have been giving me the broaden around. I am working with a real estate company for a buyer, BOA shut that down. From 2015 to current I have been sending BOA my leave and earning statement and bank statement but I can not do a short sale. I am really frustrated, please help.
Consumer complaint received 2018-03-16
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: JPMORGAN CHASE & CO. (FL)

XX/XX/18 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX To whom it may concern : I am in receipt of your companies letter informing me you are handling the collection of the account mentioned above. However, after reviewing my records i am unable to find any original contract documentations of any contractual relationship between name of company XXXX XXXX XXXX and myself which makes you a person in title to enforce a commercial claim against me. This letter is not a request for verification or validation. This is a request for proof of original contract to substantiate your claim. Provide me with a certified copy of anoriginal contract with my signature specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence ofa notary public who doolie swears the copy made is in fact a copy of the original paper contract in question. Failure to respond and provide strict proof of original contract will constitute your tactic agreement that you name of president and name of company are not entitled to force a claim againstme. In the event you continue your collection without any proof of the original contract, i will file a complaint with The Attorney General and Federal Trade Commission and File a police report against you for harassment and invasion of privacy. You have 72 hours to provide strict proof of an original contract. In the event you can not provide strict proof of the original contract you must cease, dismissed, permanently remove any collection efforts and immediately remove any derogatory information reporting to the consumer reporting agency. If you transfer this account to an attorney orsell it to another Creditor without providing proof of the originalcontract, it will be immediately reported to the state bar association and professional liability found for code of ethics violations. 

XXXX XXXX XXXX
Consumer complaint received 2016-05-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: HEARTLAND PAYMENT SYSTEMS INC (NY)

My loan was transferred from Campus Partners to ECSI. I was not notified of the transfer by either party until I realized I was unable to access my campus partners account and they gave me a phone number to someone else. I called the number and was put on hold indefinetly, I was finally able to access my account using a livechat with an ECSI rep who gave me my login information. Upon logging in I can not tell if my payment is due and the website is very confusing and unclear. I dont even know if my payments are current. The login information requires XXXX fields and is extremely clumsy. The website is extremely outdated, confusing, and slow.
Consumer complaint received 2021-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I pulled my credit report XX/XX/2020 and noticed that I have 2 accounts listed on my credit report that I never authorized any one to open on my behalf XXXX XXXX and XXXX XXXX. I have disputed multiple times and they are still reporting inaccurately.
Consumer complaint received 2015-09-05
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

I recently was in the process of refinancing my Wells Fargo mortgage with another lender. Although, Wells Fargo advised me to continue to make my payments even though the home mortgage would be paid in full, on XXXX XXXX a Wells Fargo collections agent told me that since my Loan was due to be paid in full she would notate my account so that my XXXX and XXXX payments would not be reported as a XXXX day late. The Collections agent also stated that if my credit was affected by a missed payment that she would have it removed. At the time I needed the money from the XXXX payment to make an unexpected repair on my home in order to close the mortgage refinance. Wells Fargo ended up putting a XXXX day late notice on my credit report which dropped my score XXXX points. They also refused to remove it from my credit report claiming that it is not their fault their collection agent told me she would ensure my credit would not be affected on XXXX XXXX.
Consumer complaint received 2016-01-15
Product: Credit card — 
Issue: Other — 
Company: Continental Finance Company, LLC (CT)

I attempted to order a new card with Continental Finance, the card I have is damaged, there is a crack on the bar code and will not scan correctly due to it. I have to use the card online, it will not work in any terminal. The rep I spoke with stated my account needs to be current, which it is, it is not past due. She would not order a new card. I am not due until the XXXX, the account is current, not past due.
Consumer complaint received 2016-01-07
Product: Credit card — 
Issue: Billing disputes — 
Company: Continental Finance Company, LLC (NC)

My wife paid her credit card account out around XX/XX/XXXX. or XX/XX/XXXX. The credit card company end up pulling a payment, and posted on XXXX XXXX, 2015. Then come to find out that one of our credit card had gotten lost or stolen, some between the time that the credit card was paid out there was fraudulently active on XX/XX/XXXX.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

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. 

Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX. : # XXXX, XXXX XXXX : # XXXX, XXXX : # 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 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 2019-02-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: LD Holdings Group, LLC (IN)

On XX/XX/XXXX I called Loan Depot and spoke with XXXX to get the address to send my payoff to. I was given the address XXXX XXXX XXXX, XXXX XXXX, CA XXXX. That evening, I placed the check in the mail. On XX/XX/XXXX the check was deposited by XXXX XXXX XXXX XXXX. In XXXX we got a phone message saying that Loan Depot needed our next payment. To keep the account from going to collections, I payed a payment of XXXX. Then as I looked into the situation to see why the account had not been paid off, I found out that the address that I was told to send it to was for an old service provider at Loan Depot. Over the course of the next 4 months, I made several calls to both companies trying to resolve the issue. Unfortunately, neither company was very helpful. Finally, in XXXX, XXXX XXXX XXXX XXXX XXXX finally returned my payment and I was able to send it in to Loan Depot. Loan Depot has debited the account, but refuses to refund the extra payment of XXXX made back in XXXX. That payment would not have been made if it had not been for their customer service representatives error.
Consumer complaint received 2016-09-21
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo continues to report false bankruptcy information to XXXX and XXXX XXXX. I received my disputed report back in the mail from XXXX around XX/XX/2016 and the information is still plainly there and simply states consumer still disputes after investigation. I have called Wells Fargo and they simply refuse to correct this erroneous information and I have been turned down for a mortgage loan from XXXX because of their negligent reporting.
Consumer complaint received 2021-06-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

On XX/XX/2021 I called Fifth Third Bank and spoke with the disputes department to file a dispute from a transaction that occurred on XX/XX/2021 from XXXX in the amount of {$25.00}. I spoke with a manager named XXXX. The {$25.00} was withdrawn from XXXX XXXX XXXX XXXX  It was an account attempted to be opened online. The account was never opened as I did not reside in their footprint service area. I called XXXX as well. They advised that a check was mailed to me on XX/XX/2021 and I did not receieve it. I also learned that there was a clerical error with the address and was sent to an address i never lived at. The Bank confirmed it was not cashed. XXXX advised for me to dispute the amount with Fifth Third, in doing so, the rep at Fifth Third said i have no dispute rights and I am out the {$25.00} until the other bank reimburses me. The other bank advised they wont issue another check. So why should i have to be out {$25.00} because no one wants to accept responsibility for the loss its caused me. I dont know why companies are allowed to just keep other peoples funds and not give them back. Its not right. Banks cant be trusted anymore these days and this is why people choose to stay unbanked for reasons such as this.