davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XX/XX/XXXX- applied a reward credit to my account and scheduled the remainder of my payment due to be paid on the due date. 

Prior to the due date - confirmed online that both the payment and credit had posted so that by the due date I had no outstanding balance. 

XX/XX/XXXX - Went online to see that my account was past due, and I had been charged {$12.00} in fees. I am attaching the statement that shows that as of the date the statement was generated, payments and credits had been issued for the entire amount by the due date, but yet a late fee was applied. 

XX/XX/XXXX - Called Bank of America customer service and was not able to resolve the issue. They kept insisting that there was a disclaimer that said you had to pay the minimum. I explained that in my mind, my account minimum had been met with credits and payments in full. 

XX/XX/XXXX - Called Bank of America customer service again, and still did not get resolution. I was told that it was a US law that credits to not count towards a payment. I have numerous credit cards and all other reward cards apply credits when posted towards your balance due.
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. (GA)

This is in relation to CFPB XXXX. The information sent from XXXX  shows FRAUD. The information shown on my report shows someone was making payment after XX/XX/XXXX. No one was authorized to make any payments Nor did anyone tender payments to XXXX  on my behalf. 

Who was making payments in XXXX? 

You currently show this account as Charge-off with 60, 90, and 120 days late XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

You show Delinquency First Reported XX/XX/XXXX. If the last payment was an Insurance check for a totaled vehicle in XX/XX/XXXX. 

who was making payments after XX/XX/XXXX. 

This is fraud.
Consumer complaint received 2022-02-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XX/XX/2021 2 unauthorized inquiries was made on my account from XXXX XXXX, I called the same day to let the lm know on the day I was notified that I didnt apply for anything and I actually talked to a manager who proceeded to help and said the inquiries will be taken care of, time goes by and only 1 of them were removed, I tried to contact XXXX XXXX XXXX follow up with the situation to get them both removed as promised but the company said they dont see a inquiry on their filebut Transunion still has one of the inquiries on file on the date I stated earlier which is resulting me not being able to apply for things, this inquiry should have been removed and I also talked to transunion about 2months ago and there has not been a update.
Consumer complaint received 2018-03-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

My wife and I filed bankruptcy and the court took half of our income tax return. We received a check for XXXX and deposited it at the BANK of AMERICA atm machine. It was a out of state check that said trustee on it. When the deposit was complete to our surprise it said a hold was placed, without telling us. We contacted the bank and were given no reason why and was told there was nothing they could do. The hold was for two weeks. We have been with this sorry bank for over ten years, never bounced a check nor done anything to deserve this ridiculous and excessive wait time. I want to file a formal complaint ...
Consumer complaint received 2015-04-10
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CREDIT ACCEPTANCE CORPORATION (OH)

OK back in XXXX XXXX i purchased a XXXX XXXX from Credit Acceptance for the amount of XXXX. Well now on XXXX XXXX they are trying to say i owe them still XXXX and here the problem they sent me a payment history sheet and i have added up all my payments and that has came out to be XXXX which that is XXXX more then what i was suppose to. Which i feel the XXXX is coming from the late payments they have added on which they were XXXX of those which that came out to be XXXX. Which they were XXXX of the late payments which they are XXXX a late fee. I have brought this to XXXX attention from Credit Acceptance again and she acted like it wasnt a problem.
Consumer complaint received 2022-02-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BMW Financial Services NA, LLC (NJ)

I traded in my XXXX  bmw XXXX that I had for 2 years. I had extended warranty on it that didnt even start yet cause I was under factory warranty and I traded car in over year ago and have been waiting for my refund the entire time and bmw says they called dealership in Cali where I bought car and are waiting. Ive emailed and called. Over and over for the entire uear talked to manager at dealership where I bought car. Still no refund. The dealership where I bought the car who owns me the refund for extended warranty is in California. New century bmw in XXXX, California. And I traded the truck in to bmw dealership in nj called XXXX bmw. I think Im owed like 4-6k I payed for extended warranty.when I called bmw financial about it they said the dealer has to refund me and they cant help me
Consumer complaint received 2015-08-31
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Keith D. Weiner & Associates Co., L.P.A. (SC)

I leased a car in 2008 from XXXX. I lost my job and was unable to make payments and returned the vehicle. The law firm of Kieth Weiner and Associates in XXXX Ohio began trying to collect on the reminder of the debt. I paid approximately {$5700.00} towards this debt to their firm. I still owed an additional {$2700.00}. A lien was put on my bank account in this amount leaving me {$450.00} to take care of my financial obligations. In the state of Ohio {$420.00} is protected in consumer accounts in these situations. I am however a legal resident of South Carolina and have been for almost a year. South Carolina residents are guaranteed {$5000.00} in protection. I informed The Keith Weiner Law firm of this several times and they refused to release my funds. They told me their attorney said that they could take the money but that they were willing to settle. I knew that they would have kept the entire amount if they were legally able however with all of my money in their hands my only option was to settle or borrow money to hire attorneys to fight them. I had children to feed and they knew it. This was a case of lies, extortion, and blatant disregard of the law. I settled for {$1200.00} but did not sign anything. My bank charged {$100.00} in legal fees.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$140.00} XXXX XXXX Balance XXXX {$560.00} XXXX XXXX XXXXXXXX Balance : {$360.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Reference # : XXXX Asset Amount : {$0.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  OH XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$440.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} SXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$940.00} XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$440.00} XXXX  XXXX Bankruptcy Reference # : XXXX Asset Amount : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-04-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Professional Debt Mediation, Inc. (FL)

I moved into XXXX XXXX XXXX apartments in XX/XX/XXXX and out in XX/XX/XXXX. I provided all of my contact information the morning I turned the keys back into the front office so I would be aware of damages that required payment. I was not notified of any cost to cure damages in the apartment by the complex. I downloaded credit karma a couple years later after being declined for my first car loan due to a collection I knew nothing about. I was shocked to learn that a collection had been placed on my credit by XXXX XXXX XXXX and was damaging my credit greatly! The biggest surprise was years had gone by and no proactive effort from the complex had been made in order for me to have the opportunity to pay the damages instead of just damaging my credit! Over the years I reached out to the management company in effort to make payments or settle due to the age of the debt, the complex would not cooperate. The debt was sold to Professional Debt Mediation on XXXX XXXX XXXX and now shows as XXXX different debts both damaging my credit. I 've attempted twice to settle with the collection company who advised they go back to the complex with my offer for approval-again both times the complex has declined my effort. The debt is showing as {$1100.00}, the complex states they had to repaint the XXXX accent wall in the living room-this I understand and agree too. They also state that they had to replace the carpet in the apartment due to pet stains, I agree there were stains on the carpet and understand there would have been a cost to have the carpets cleaned. HOWEVER, stating they had to put brand-new carpet in the entire apartment ( mind you was very small ) and that it cost upwards of {$1100.00} I do not believe! After years of making an effort to right this debt and the lack of cooperation of the complex leads me to believe they are fraudulently hitting my credit for the amount of a debt that is not valid! The carpet in the apartment was not brand-new when I moved in and the complex is not entitled to the full replacement value, only the depreciated value of the carpet. So if the life of the carpet was expected to be 5 years and was 4 years old upon my move in date they would only be entitled to the remaining years value. I would like proof to be provided by the complex including : brand of the carpet, estimated life of the carpet, receipt for carpet upon installation prior to my move in date, and a receipt for the for the cost of damages repaired. If proof is provided and the full amount of the debt is validated, I would like an agreement to be made with the complex on payment arrangements or a settlement. I would also like my credit to be updated due to the lack of professionalism, tenant/consumer respect, and non-existent pro-activity to reach me before greatly damaging my credit.
Consumer complaint received 2016-04-06
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On XXXX/XXXX/XXXX, I closed my account with Bank of America 's XXXX credit card. After paying my final bill, I was left with a balance of - {$35.00}. I phoned BoA and was informed that I would receive the balance owed me by check. 
In XXXX, I received a new " bill '' statement with an account balance of - {$27.00}. BoA had passed through a new charge to my closed account on XXXX/XXXX/XXXX, of {$7.00}. I phoned BoA and was assured by them that the charge would be removed and I would receive a check for - {$35.00}. Instead of sending me a check for money owed, BoA continued to send me a monthly bill statements, each showing an account balance of - {$35.00}. 
That is until XXXX, when I received a bill statement from BoA indicating that my account balance had been reduced to - {$5.00}. On XXXX/XXXX/XXXX, BoA had passed through a charge on my long-closed account.. I phoned BoA for an explanation about this charge and why I still had not received the balance owed me. I was told it was an old charge. This was clearly not true. The XXXX XXXX - XXXX XXXX, XXXX statement shows a " Transaction Date '' of XXXX and " Posting Date '' of XXXX. Subsequently, I received a check for {$5.00}, dated XXXX XXXX, XXXX. 
On XXXX XXXX, XXXX, I received another Account Balance from BoA : " You have a new e-Bill from Bank of America Credit Card - Elite Rewards. '' Given this history with BoA, which apparently has yet to completely close my account, I am worried about fraudulent use of my long-ago closed BoA XXXX account. 

How I can be made whole : 1- BoA should pay me the full balance owed of {$35.00}. 
2- BoA must completely close my account. I should receive proof in writing of that action. 
3- CFPB should consider investigating BoA for improper ( if not fraudulent ) billing practices.
Consumer complaint received 2017-01-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MO)

I had multiple loans through Sallie Mae. After graduation I joined the XXXX. Before my repayments were to begin I called and set up a forebaerance so as to avoid default on my loans. When I got done with XXXX 6 months later I was informed that I was delinquent on all of XXXX ( XXXX for each semester ) loans. As a result my credit has been shot. Over the last few years I have tried to set up an income based repayment plan but was constantly denied. It was n't until the fall of XX/XX/2016 ( 8 years after my first application for income based repayment schedule ) I was granted the income based repayment. I feel that they should do a courtesy retraction of what they reported to the credit agencies. This would allow me to rebuild my credit and become financially stable enough I might be able to make some payments.
Consumer complaint received 2022-02-03
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. (IN)

I opened multiple disputes with Experian against XXXX XXXX ( I already have a pending claim against them ). The most recent was on or around XX/XX/2022, XX/XX/XXXX, and XXXX of 2022. Experian has completed them within a very very short period of time. 48 hours or less. The most recent in less than 24 hrs. The most recent dispute had an attached Affidavit UNDER PENALTY AND PERJURY which requires a reply Affidavit UNDER PENALTY AND PERJURY from the disputed party. Experian has been sending results to me siding with XXXX XXXX each time without, I believe, looking into any of the information I have provided. When an Affidavit is attached to a dispute UNDER PENALTY AND PERJURY, you don't sneeze at that and just stick with the same result by siding with the disputed party. This requires deeper examination. I am willing to submit a SWORN TESTIMONY, make them swear too! I feel Experian is being biased in their determination of deciding to always keep the result the same. XXXX XXXX 's alleged debt being " valid ''. This is not correct. The debt is bogus and is not my responsibility. It never was as I stated in my claim against XXXX XXXX. They dropped the ball on billing my insurance in a timely manner and lost the opportunity to be paid. Now they want to hound me to recoup their losses during a pandemic no less. Experian is playing the role of Devil 's Advocate and allowing them to continue this madness. I believe Experian never looked at my supporting documentation. I just resubmitted the dispute again, with the Affidavit and it is already being looked at. If the results come back today or tomorrow, I will have proven my point. I think they are tired of me submitting, but I will not stop until this debt is removed from my report because I do not owe it. I have reached out to XXXX XXXX numerous times and asked them to send me a document, a wet-inked signature contract, a breakdown of this alleged debt, and how they believe I came to be responsible. To this day, I have never received anything, regardless of what they say. I have NEVER received that breakdown or document or contract. Just a random bill saying I owed {$2400.00} for medical services... Ridiculous. I want Experian investigated for negligence. Their integrity has been called into question by millions of Americans about the shady things they do when it comes to their credit scores and reports. They should not have this much power over so many people. Credit should not have this much power over people. It is disgusting. It destroys people. People take advantage. Experian is terrible and needs to be thoroughly investigated unannounced. Just show up and start auditing them. They have to be violating Federal Laws. This just can not be legal. I am sure you'll be surprised at what you'll find.
Consumer complaint received 2015-11-28
Product: Credit card — 
Issue: Rewards — 
Company: DISCOVER BANK (MI)

I made a number of purchases totaling close to {$20000.00} across XXXX Discover cards at XXXX and XXXX between XXXX XXXX and XXXX using Discover 's XXXX Pay promotion, which offered 10 % back on the first {$10000.00} spent on each of my XXXX Discover cards before the end of the year. Several weeks later, I received emails from Discover for each purchase, claiming that I must submit receipts for each purchase in order to prove that none of the items purchased were gift cards. There was nothing in the terms about needing to submit receipts, or that the burden of proof would be on me, rather than Discover, to ensure the purchases qualified for the promotion. Due to this, I did not save any receipts, and now will not be eligible for several thousand dollars in cashback that is rightfully due to me ( {$2000.00} per card ; the cashback on XXXX of the cards is doubled to {$4000.00} after 12 months ; a XXXX, concurrent Discover promotion ).
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Subject : Dispute Regarding Mortgage Obligation Post-Divorce Settlement I am writing to formally dispute the mortgage listed on my credit report, as per the court judgment in my divorce settlement which mandates my ex-spouse to assume full responsibility for said mortgage. Kindly update my credit report accordingly to reflect this legally binding arrangement. Furthermore there are several reporting violations listed with said mortgage.
Consumer complaint received 2022-02-07
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I filed a dispute with Bank of America on XX/XX/XXXX I provided police report number as I was asked to my claim was denied numerous times a supervisor told me to ask for the supporting documents/ denial paperwork & I did on 2 seperate occasions over a month ago & have yet to recieve I called in & was informed my claim was back open as of XX/XX/XXXX for a reconsideration which I did not ask for as I was told claim couldnt be reopened without new information & I have not submitted any. When I call the claims department nobody can tell me why it is reopened or by who or anything about my own account! Ive spoke to supervisors & managers & still nothing they seem to think that it could be due to a complaint I filed but Ive filed numerous complaints against Bank of America to no avail I also filed another complaint against Bank of America at cfpb that was never responded to & its been over 60 days.. all I wanted was my money back that was stolen & I seem to not be able to as well as not knowing what is going on with my own account. Im tired of dealing with a bank that treats its customers like trash & works against them & treats everyone as a criminal. I feel as though my rights are being violated & Bank of America is not gflowing their own policies & procedures & is not consumer friendly I would like to know what is going on with my claim & why my claim keeps being denied when they have fraud protection & I did not authorize the charges in my claim Ive been treated unfairly & discriminated against & something needs to be done
Consumer complaint received 2015-05-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

They have multiple entries on my credit report which is hurting my score. This account was never validated and has supposedly been removed from trans union. This was a debt that by women s hospital their policy is to pay for services before they are rendered. This account was paid before service were rendered. This account needs to be removed from all XXXX credit agencies due to fraud as well as multiple incorrect entries.
Consumer complaint received 2022-02-07
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: PNC Bank N.A. (FL)

XXXX XXXX Assistant Vice President PNC Bank, Office of the Customer ( XXXX  ) XXXX XXXX Listed below are the fake deeds with mortgages held at PNC Bank. 

Instrument XXXX - states that the parcel ID # is XXXX Instrument XXXX - states that the parcel ID # is XXXX Both deeds reference address : XXXX XXXX XXXX XXXX, XXXX Neither of these deeds are actually related to XXXX XXXX XXXX which is actual parcel # XXXX Mortgage from fake deed Instrument XXXX - states that the parcel ID # is XXXX. 

This mortgage references instrument XXXX, ( as stated above shows parcel ID # is XXXX ). 


Mortgage from fake deed XXXX XXXX - XXXX that the parcel ID # is XXXX. 

This mortgage also references instrument XXXX, ( as stated above shows parcel ID # is XXXX ). 


Mortgage from fake deed XXXX XXXX - XXXX that the parcel ID # is XXXX. 

This mortgage also references instrument XXXX, ( as stated above shows parcel ID # is XXXX ). 


Mortgage from fake deed XXXX XXXX - XXXX that the parcel ID # is XXXX as well as XXXX further along in the document. 





XXXX XXXX XXXX
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.