davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: BBVA FINANCIAL CORPORATION (FL)

Ive been unemployed since covid 19 started without stimulus check, the bank gave me a three month break. After that i was still without a job and sent me to collection. Im calling now to start making payments on the vehicle and get back in track the say they took me out of the loan and I cant make payment. My options are payoff the car completely or surrender the car i think this is so unfair if someone can help me fix this  with BVBA COMPASS i would appreciate it. Thank u, XXXX XXXX
Consumer complaint received 2018-12-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Complaint Complaint - To help us get the investigation process started, provide a brief description of the complaint including dates and the names of those you dealt with. 
Do NOT include any personal information such as account numbers or Social Security numbers. 


We would like to advise you of the many problems we have had with Bank of America since XX/XX/2018 trying to negotiate a short sale on our house.When our financial situation changed due to our HELOC loan ballooning from less than 200 /month to over $ 700/ month, we could not afford it. The bank put us through a loan modification which was denied because our house was underwater. After a failed attempt to sell with a realtor, we asked Bank of America for permission for a short sale. We were told it was up to the bank 's Short Sale Department, and if we had an offer, we would receive paperwork.We received a complete package from a person at the short sale department, which we gave to our realtor, who found a very good cash offer for our home.She was unsuccessful reaching her contact at Bank of America over a period of 5 months. Documents lost, resent ; promised calls and conference calls never happened ; holding times exceeded an hour ; the bank never heard of our realtor ; the bank account manager XXXX XXXX never heard of the bank short sale contact ; we never received promised copies of bank emails, etc. We finally pleaded with our loan manager to see what she could do. She asked her manager to look into this. Now our realtor and we have a new contact, who tells us the loan modification was only on primary loan, when we thought it was also on the HELOC, which we stated we could not pay at the new rate at the beginning.We have been in circles from XXXX until now, XXXX. We have exhausted our savings trying to keep current until now. We have even asked our children for help, which they did, until they can no longer. We feel Bank of America has needlessly caused severe delays, and we fear our cash offer will withdraw, now that six months has been wasted.
Consumer complaint received 2021-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (NY)

On XXXX my local credit union sent a check to Goldman Sachs to pay down a significant portion of my Apple Card issue by Goldman Sachs whom I will refer to as GS. GS received the check on or around XXXX per the stamp on the back of the check copy I received from my credit. GS cashed the check and has not posted the money to my account. My payment is due on the XXXX of XXXX, I reached out to GS who claims theyre looking into it and have no idea where the check is, where the money went or anything.
Consumer complaint received 2022-04-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: FULTON FINANCIAL CORPORATION (VA)

Fulton Bank : We have opened an account at Fulton bank for a non profit. First check is deposited and then we saw negative charges. No communication from Fulton bank except after 12 days- negative balance due to account got overdrawn. Well, they should have sent a message/communication immediately with returned check ( or bounced check ). 
Fulton bank, sent letter 12 days letter and also did not notify about check bounced back. This is all for non profit and good cause. The current process need to be audited for regulatory reason as well. 
1. Bank - business support associate did not know where about the check. XXXX told me to contact XXXX support. Support told me to contact local branch. XXXX works at local branch. This is not a broken process 2. Bank never sent me letter or copy/image of check that was returned XXXX. 12 days letter they send letter saying account is overdrawn but no words that says why 4. Manager XXXX at XXXX XXXX location : kept saying you should use online bnanking otherwise you will have to wait till end of the month to get the account statement and it will show returned check. 
This need to be investigated. I am getting charged because of bank ; s policy of not communicating properly.
Consumer complaint received 2018-07-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Army and Air Force Exchange Service (MA)

XXXX XXXX XXXX XXXX, representing Army and Air Force Exchange ( AAFES ) has been receiving payments on a debt via tax return offset since 2014 ; and receiving monthly payments via garnishment from social security benefits ( 10 %, {$110.00} ), and payroll garnishments. However, monthly statements do not reflect any payments from the above mention streams, and do not reflect a reduction in the debt balance. Where are these payments? When contacted, both entities, each stating, verbally and in writing, that no payments have been received. However, I have received notices from the Department of the Treasury that payment interceptions have been made.
Consumer complaint received 2024-03-29
Product: 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 (MA)

I received a letter last XXXX from Bank of America ( dated XX/XX/XXXX ) with the heading at top : Inactive Account Alert. Unbeknownst to me, there was {$700.00} sitting in an account from an Unemployment claim I opened in the state of Massachusetts in XXXX ( the {$700.00} was deposited on XX/XX/XXXX ). The letter was to inform me that I had 30 days to take action to prevent this money from being transferred back to the state of MA. Naturally, I immediately called the bank and said I would like the {$700.00} returned to me. They said they would ; however, after a month or so had passed and I still hadnt received it, I called the Bank back, and they told me that apparently the check had already been returned to the state. They told me to check the MA Unclaimed Property web site to find the returned funds. I continued to do that diligently ever since - still, nothing was showing up. I called the Dept of Unclaimed Property. They said it could still possibly show up, but said to get more info from the bank, who told me that an electronic payment was made to the State on XX/XX/XXXX ( I have the transaction number if needed ). Still no updates with MA Unclaimed Property. I called the Bank again this time, the agent told me the money was returned to the MA Dept of Unemployment, NOT the state! So I then made an appointment to go in-person to the Dept of Unemployment in XXXX. I spent about an hour with a representative there, who was finally able to see this one-time payment that had been deposited into the BoA account in XX/XX/XXXX. But she could not find proof of them returning the Check to Unemployment. She said I should call the bank back, and ask them to send me a letter simply stating that the {$700.00} was returned to them, so they could have a record of it and proceed to get the money back to me. Once again, I called the bank back and was told No, they could not issue that kind of letter. The only letter they were responsible for was the original letter from XX/XX/XXXX. I called MA Unclaimed Property back, since I was given two different stories from the Bank. But still, they could not find anything and said it must have gone back to the Dept. of Unemployment. I called the bank AGAIN, hoping I could find an understanding agent to repeat my story to for the umpteenth time. This time, the woman sounded determined to help me, had to put me on hold a few times ; she asked for my number in the event we got disconnected. After about a half hour with her on the phone, I get disconnected, and she does not call me back! The Banks seems absolutely inept or unwilling to help me with this.
Consumer complaint received 2022-11-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 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 Section2 : 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 reachable cause to believe that the information is inaccurate.
Consumer complaint received 2021-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX. I have notice in accurate items on my credit profile. These are results from identity theft. My Car was stolen back in XXXX and ever since getting my whole life back in order has how its been. TransUnion didnt submit any documents providing proof I Signed any type documents if agreement to any loan. Therefore all these accounts associated with the name of US Dept Of US is unauthorized and not veritable. These accounts had a date of XXXX XXXX with the balance of XXXX $ From Us Dept of ED and balance of XXXX $ from XXXX. Another one XXXX XXXX balance XXXX $ From Us Dept of ED and balance of XXXX $ from XXXX. The last ones on XXXX XXXX balance XXXX $ From Us Dept of ED and balance of XXXX $ from XXXX. These are not mine accounts and I dont have any other solution at this point, I am NOT working with a third party organization. I have enclosed several documents verifying my identity and some facts from the fair credit reporting act for the blocking off all inaccurate items. 

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Consumer complaint received 2020-11-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: M.A.R.S., Inc. (TX)

So on XXXX XXXX of XXXX XXXX the apartment complex I was staying at sent what they said I owed to them to a collection agency. At the time being young and not knowing how this would affect my credit score I wasn't even notified that I could dispute these unnecessary charges against me so I did nothing because I didn't have the funds to pay for it. They added an extra XXXX XXXX dollars on top of my rent without even speaking to me. This was based off of a complaint from a neighbor who lived upstairs from me. The neighbor reported to the office that I had a pet that I did not have. That alone still makes the balance at a little over {$1200.00}. They never explained what the extra {$620.00} added on top of my rent was for. The only thing I could think of was that I left some things behind. They had no right to charge me that much. Plus they still had my deposit.
Consumer complaint received 2021-01-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (FL)

I deposited a cashiers check along with a deposit slip and entered deposit as cash for {$2400.00}. On the bottom of my deposit slip, I wrote cash deposit, no holds cash deposit. The teller, XXXX, when asked, acknowledged and said, " Yes, I see it is a cash deposit '' I received a deposit slip verification from her and it shows cash paid to customer {$2400.00} Also, the receipt shows at bottom of receipt " cash in {$2400.00} '' When I got home, went to pay online bills and noted my account shows cash deposit {$2400.00} " PENDING deposits '' I took a picture for proof for my complaint. I drove back to the bank and they are now closed for the evening. I called customer service and both representatives told me my check has to clear and is " pending '' ... .and will hopefully be processed by Monday, XX/XX/XXXX. They refused to change it to a cash deposit - told me it will be investigated and take up to 10 days. Spoke to XXXX, in the customer complaint department, and afterwards she escalated to a XXXX XXXX, intake complaint person, in the escalation center at XXXX. He advised he will submit my complaint and they have 10 days to get back to me. Complaint # XXXX. The bank is floating my cash and my cash is not in my bank account ( instead, it is in their 's ) Wonder if there should be a class action investigation for investigate for unethical banking practices for all of the customers who do business with this banking institution. They should pay a penalty
Consumer complaint received 2021-01-29
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. (DC)

I purchased airfare from XXXX XXXX on XX/XX/XXXX using my Chase Ink card account number XXXX in the amount of {$920.00}. I closed the Chase Ink card in XX/XX/XXXX. Due to COVID-19, I cancelled this trip in XX/XX/XXXX and XXXX refunded the the XXXX card in XX/XX/XXXX, for which the XXXX is XXXX. However, when contacting Chase, I was informed that the XXXX account had been purged after its closure and that they had no record of receiving the refund nor could a refund be received on a purged account. Since then, I have contacted XXXX XXXX multiple times, most recently last week, which confirmed that the refund to the XXXX card did successfully occur. Any attempt to reach out to Chase back in fall XXXX and early this year resulted in them stating there was no record of that account ever existing. However, I have still not received a check or any other form of refund for the {$920.00} credit to the closed account.
Consumer complaint received 2020-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I have not been able to get the fraud alert removed on my credit file by calling or sending a letter. The fraud alert is causing issues for me and it has the incorrect phone number listed on the fraud alert.
Consumer complaint received 2023-01-18
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)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-11-17
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)

I submitted a letter to the XXXX Credit Bureaus on XX/XX/XXXX, to update or correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-30
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: FIFTH THIRD FINANCIAL CORPORATION (TX)

I wanted to acquire Vehicle with low interest but unfortunately I Have Damages on my credit report. According to the 15 U.S.C 1681-Law their should not be any damages on my credit report its a deformation to my character.
Consumer complaint received 2022-04-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (IL)

On XXXX, there was an unauthorized wire transaction from my Chase checking account to XXXX  XXXX XXXX account in the amount of {$25000.00}. I found this out after about 1-2 hours after the transaction was made. I saw XXXX emails of wire transfer cancelation and a third email to confirm that the wire transfer was successful. I called Chase right away to let them know that it was an unauthorized transaction and they told me that it will be taken care of and the money will be back in my account between 7-10 days. I also filed a police report and followed their instruction to file identity theft reports & froze my credit. 
After a week of not getting any updates from Chase, I called back to their fraud department and I was informed that the claim was not processed fully and there was no detailed info on it that they have to create this claim again. So I provided them again with all the information I had on this transaction and they gave me another 7-10 days to wait. They they denied this claim because they are categorizing this as a 'scam ' instead of 'fraud '. So they advised me to escalate this to their Wire Recall Service Team where they can review my case and possibly can do a courtesy wire recall. But this team is only available via Chase Secure Message Center so I have been going back and forth with them since beginning of XXXX until today because they are not providing any updates on my case. They are just providing phone numbers to call, which leads me back to their fraud team and can not help with my case. They they provide a number for their Treasury Service Team, I call and only automated message says 'leave message on chase secure message center ' then just hangs up my call. Now I'm just thrown between 2-3 different departments just saying to reach out to a different team and they are not asking me to get a Hold Harmless Letter from a Chase branch. I talked to my banker at my branch and she has no idea what this is. So I go back to my secure message on Chase app telling them what happened, this is their reply " USD Wire investigations team does not deal in issuing or providing hold harmless letter. Kindly reach out to a local Chase branch for further assistance. We close the case on our end. If you have any additional questions or wish for an update on the status, please respond to this message or call the XXXX XXXX XXXX XXXX XXXX  ( which just hangs up my call )
Consumer complaint received 2024-03-30
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Adjustment Service, Inc. (FL)

Collection Agency has not provided validation Information under 12 CFR 1006.34 ( b5 ) but yet they placed a collection on your consumer report. 
You have not been given a chance to dispute account according to 12 CFR 1006.34 ( cH4 ) I ) Collection agency is violating your consumer rights by using false misleading, misrepresentation and deceptive means. 
Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) PLEASE REMOVE OR DELTE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNT FROM MY CONSUMER REPORT. 
ACCORDING TO THE FCRA IT IS A VIOLATION. 

. DIVERSIFIED ADJUSTMENT ( Original Creditor : T MOBILE ) I AM UNAWARE OF THIS DEBT. I DID NOT HAVE THE OPPORTUNITY TO DISPUTE THIS DEBT. I DID NOT RECEIVE PROPER NOTIFICATION. IF IN FACT YOU BELIEVE I RECEIVE PROPER NOTIFICATION. PLEASE PROVIDE THE CERTIFIED MAIL WITH THE RECEIPT WITH MY WET SIGNATURE ON THERE STATING I RECEIVED IT.
Consumer complaint received 2020-11-19
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bliksum, LLC (CA)

Report Number : XXXX Date Generated : XX/XX/XXXX Account Name LOANME XXXX Account Number XXXX Account Type Unsecured Responsibility Individual Date Opened XX/XX/XXXX Status Closed. {$2500.00} written off. 

Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment {$0.00} Original Balance {$2600.00} Highest Balance {$0.00} Terms 47 Months
Consumer complaint received 2021-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The United States Department Of Education is reporting inconsistent and inaccurate information which is in multiple violations with the FCRA. Per the FCRA all information being reported must be 100 % accurate across all three credit bureaus. The Date Of Last Activity shows for XXXX as XX/XX/XXXX and TransUnion as XX/XX/XXXX while XXXX as XX/XX/XXXX. This is an violation by the accounts with XXXX and TransUnion would be ILLEGALLY re-aged on the time frame of which they would stay on the credit report. This account is closed as a Charge Off but yet XXXX is reporting it as open and 120 days late. This is a violation as well with the FCRA by an account can not be a Charge off and late 120 days at the same time. An account first goes late then into collections then to charge off status. An account closed can not steadily report late payments per the FCRA. I've also disputed this account previously with XXXX and XXXX and came back as verified but yet on the document attached shows they never updated the Last Date Verified which defined by the FCRA they're suppose to update the profile each time. Per the FCRA i may collect up to {$1000.00} per violation for which this inaccurate and inconsistent reporting has caused my credit score to drastically drop and continuously drop. I've been denied job opportunities because of this reporting and even so loans. I've lost 3 jobs sadly during this pandemic due to closures and this inaccurate reporting is making it harder to move forward with its reporting. Attached is documents showing such violations and inaccurate/inconsistent reporting along with job denial.