davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-08
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello, I am a customer with Bank of America since XX/XX/XXXX. 

All the following checks are from my credit union account to my Bank of America account. 

precursor : XX/XX/XXXX, I used the mobile app to deposit a check of {$500.00} or so successfully. Later on that month, I attempted to use the same mobile app to deposit a XXXX check in the amount of {$10000.00} to the same account. The mobile app advised me that that there was a limit of {$10000.00} deposited into an account per month. I deposited a XXXX check of {$1000.00} into the account, to pay bills. 

SInce, I had a second account also at Bank of America, I tried to deposit the {$10000.00} check into that account. Due to poor foresight on my part, I only had {$9500.00} remaining in my Credit Union account ( after the {$1000.00} check cleared ). Thus the {$10000.00} check bounced due to in sufficient funds. Ok, my fault, both financial institutions charged me their fees. 

Now in XX/XX/XXXX : I made sure I had sufficient funds in my Credit Union account and wrote myself a check for {$9000.00} and deposited it into Bank of America on XX/XX/XXXX using the mobile app on Android. 

On XX/XX/XXXX, I find that there is a Hold placed on my deposit at BofA and the hold will clear only on XXXX. Huh, are we back in the dark ages? 

On XX/XX/XXXX morning, I go to my credit Union and I find that BofA has not yet presented the check to them to be cashed. On XXXX XXXX evening, I find that the funds have been withdrawn from my credit union account. I verify on XX/XX/XXXX night as well as XXXX morning that the Bank of America has not yet credited my account for the {$9000.00}. I have an online chat with BofA representative and am told that the hold will clear on XX/XX/XXXX. This is harassment by Bank of America, they have the funds and are taking an interest free hold till XX/XX/XXXX, and I do not have access to my own monies. 

Please help.
Consumer complaint received 2024-02-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am writing to express my deep concern and frustration upon receiving a copy of my updated credit report. It has come to my attention that despite my previous communication of rectifying the error and mistake, the report still contains inaccuracies.
Consumer complaint received 2024-01-23
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc. (PA)

After applying for the XXXX repayment plan and being approved on the studentaid.gov website my nelnet account went into a repayment status of " XXXX XXXX XXXX ''. This appeared to be a processing period for them to calculate my new payment amount. After this period ended my nelnet repayment status was set to " Standard Repayment ''.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Transunion, and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX is a financial institution by definition under that title 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX, the financial institution and the Consumer reporting agencies Transunion and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 

Any and all consent to Transunion, XXXX and XXXX XXXX XXXX, whether it be verbal, non-verbal, written, implied or otherwise is REVOKED. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Transunion and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. ''
Consumer complaint received 2020-11-13
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: JPMORGAN CHASE & CO. (CT)

I have a lease with XXXX XXXX XXXX ( Chase bank ) which is coming to an end in XXXX. I decided to purchase my car out of the lease, on XX/XX/XXXX Chase received the payoff ( {$24000.00} ) from my bank for which they sent me the buyout package offer for. The payment posted on the Chase account on XX/XX/XXXX. This is when all the problems began, I called them the following week around the XXXX and XXXX and they didnt realize the payoff was deposited in my account (??? ). I was told during that phone call that the Payoff was going to be transferred over and my account was going to be closed the following day or within a few days along with my title transfer/ bill of sale sent to me. That never happened. From there I continued to call every week to check what was going on, for which there response was that its noted on my account that they received the payoff and Im going to have to wait. The first date they gave me was around XX/XX/XXXX then XX/XX/XXXX, now they are saying XX/XX/XXXX. While all this is going on they are still asking for monthly lease payments that I do not owe them. They have tacked on late fees and have acknowledged that I do not owe them anything yet are still asking for payments. On their end Im over 15 days late for lease payments. I expressed to them that Im worried my account will be sent to collections and my credit will be affected. They responded by telling me that may happen but they will just back date the account. Clearly its not that easy once my credit is hit by this. This is completely unprofessional and illegal, I have done everything and paid everything that was owed but they have not held up their end of the contract. This can not continue.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm filing a complaint against XXXX XXXX XXXX XXXX  and transunion for violating my legal rights to an accurate credit report supported by the fair credit act FCRA please see attached letter for more thorough information
Consumer complaint received 2022-10-06
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Law Office of Nicole Hillman (TX)

On or about XXXX my, now wife ( not my wife at the time ) took a personal loan out with XXXX  XXXX in the amount of {$1000.00}. Yes was unable to pay the debt and they received a judgement in the amount of XXXX in XXXX ( approx XXXX for the amount owed and XXXX in attorney fees with 10 percent post judgement interest. In XXXX the company hired an attorney Nicole Hillman. She collected XXXX of the principle balance and which was applied to he underlying debt. Towards the end of XXXX requested my wife call to settle the matter we offered XXXXthe balance of what was owed with attorney fees and XXXX XXXX refused to discuss the matter and informed her she owed XXXX. This is unreasonable in any circumstance. 

Last week this individual garnished my checking that I put my wife 's name on for XXXX. Which I have no idea where she came up with the amount. I have been calling for the last week and a half and she has not answered, returned a call or responded via email. She has sent no verification of debt or anything within 5 business days that expanded to me my rights and what is exempt and or not exempt by law. 

My bank has also reached out to her and she has not responded to them. We have also reached out to the court to get her to respond. It is unfair for a {$1000.00} debt to become a {$4500.00} item ( XXXX plus the XXXX she has already collected ). It is unfair for an agent of a company to misrepresent the amount of the debt and to freeze accounts especially when you have children to feed and bills to pay. She has provided no back up showing how it is possible for XXXX in debt to become XXXX in debt. 

And she has been avoiding the conversation and unduly causing harm and stress in a matter.
Consumer complaint received 2020-01-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION (MD)

This report was made. XX/XX/XXXX. I have reason to believe That theres a hacker pinching money from navy Federal Credit union and all of their customers. A forensic accountant Can find it all I know is that on the XX/XX/XXXX I have {$920.00} on the XX/XX/XXXX i paid XXXX i ended up with XXXX left the next XXXX I only spent XXXX on this he XXXX I only have XXXX left now this is not adding up I have see this continuously happening in seasons from XXXX the same thing happened to XXXX in XXXX
Consumer complaint received 2016-09-13
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (NM)

I purchased my 2011 Volkswagen Jetta in XXXX XXXX the car was worth {$16000.00} we have tried to be up to date with the payments but I recently found out that I still owe XXXX after making 45 months payments of {$460.00}. This means that we have payed more than the car cost for us to still owe {$18000.00} this is highly unfair.
Consumer complaint received 2015-06-12
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: Synovus Bank (GA)

XXXX ( Synovus ) charged my account XXXX separate fees of {$36.00} totaling {$210.00} plus a separate fee of {$35.00} the next day. The {$35.00} fee was described as a continuous overdraft charge. On XX/XX/XXXX, I had an electronic transaction in the amount of {$370.00} presented to the bank. However, I had dated the transaction for XX/XX/XXXX. When I saw the bank had prematurely processed the transaction, I immediately deposited {$400.00} to cover the charge. The electronic transaction plus XXXX small transactions were still pending when the deposit was made. On following business day, the bank charged me the {$210.00} for the XXXX small transactions. These XXXX small transactions were arranged by the bank in the order to where the large transaction was paid first followed by the small XXXX transactions. This was done in order to maximize the number of overdraft fees. The bank 's response was that electronic transactions are always paid first and it was just a " coincidence '' that the electronic transaction was larger. However, I have evidence that this is not the case in where I have had a larger debit card transaction paid ahead of smaller electronic transaction previously. 
Synovus has a history of the practice of acting in bad faith by processing transactions in an order that would net them the most in overdraft fees as seen in the lawsuit " XXXX v. Synovus Bank. Synovus paid XXXX XXXX to settle this lawsuit just last year.
Consumer complaint received 2020-11-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (MI)

Debt buyer has violated the Fair Credit Reporting Act ( FCRA ) by attempting to collect an alleged debt when the company Calvary stated around XX/XX/2020 that they would cease and desist all attempts to collect the alleged debt. The debt buyer has refused to be removed from my credit reports and has violated my privacy, defamation of character, and assuming that the debt was not disputed within 30 days makes the debt valid. This is not true and violates both the Fair Debt Collection Practicing Act ( FDCPA ) and ( FCRA ). The debt collector must remove themselves from all three credit reports that is XXXX, XXXX, and XXXX.
Consumer complaint received 2016-11-26
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Overton, Russell, Doerr and Donovan, LLP (NY)

I have a paid credit alert service with XXXX XXXX. I have been alerted that a collection company, named Overton Russell Doeer Donovan, has been falsely reporting that I have an account opened with them. The first alert was an account " opened in XXXX 2016 '', which I had to fight a long time to remove from my credit report. And now they have reported that there is another account " opened in XXXX 2016. '' Their fraudulent actions have continued to affect my credit score negatively. My credit score has gone from mid XXXX to mid XXXX. I am hoping to refinance my house repair cost and possibly the current mortgage. But with their fraudulent reportings to the credit bureaus, I am not able to get the best rate. The consumer credit score and the consumer credit report are extremely important in my financial health, as for many other hard working individuals. I am extremely indignant that this company continues to " toy '' with my personal information and credit information. I do n't even know what they are trying to get out of this. But this needs to stop today. Thank you for your help.
Consumer complaint received 2021-03-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2020-01-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

XX/XX/2020 XXXX XXXX XXXX Loan number XXXX XXXX XXXX XXXX XXXX, CA XXXX I'm reaching out to you in the hopes that you will be able to assist me with my negotiations with Rushmore Loan Management Services. 

I have been trying, unsuccessfully, to resolve a Foreclosure matter with them for more than a year now. 3 years ago, my fiance passed away and that created, not only a loss of income, but a large financial debt. As a result of these issues, I fell behind with my mortgage and have been trying to modify the loan since. 

I have been working with an attorney who has basically only made the issue worse, as that person has backed me into a corner - there is a sale date schedule for my home on the XXXX and the attorney did nothing to address it. 

I reached out ( again ) to Rushmore last week and was told that as long as I had documentation submitted by end of business day, Monday the XXXX, I would be fine. I submitted everything, called on Tuesday to confirm that it was received and was told that the documents were being imaged. When I spoke with them yesterday I got three different answers from three different individuals, regarding the status of my request - all of them conflicting. 

Not only this, but now they're requesting additional documentation and are refusing to put the sale date on hold. I have done everything I possibly can to comply with their requests over the last year, but it seems as though they're determined to follow predatory, as well as, questionable business practices. 

I was told that things would be fine, as long as I follow their instructions, but it's clear that that was all part of their deception. Please assist with this matter.
Consumer complaint received 2016-12-23
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: HOVG, LLC (TX)

I asked them to no longer contact me at work on XX/XX/2016. Continued to receive call from them at work as of XX/XX/2016. I also asked them to provide written proof of debt, and they have failed to do so.
Consumer complaint received 2020-06-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Crown Mortgage Co. (IL)

I tried to get a forbearance loan from my finance company Crown mortgage they keeps giving me the runaround saying I have to give them proof on why I am having financial problems doing this corona varies according to the cares act I am entitled to get a for Barents long for at least six months they refuse to give me a loan without showing my taxes my bank statements and all of that according to the cares act I do not have to show them any proof of why am having financial problems at this point of the coronavirus thank you
Consumer complaint received 2018-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I pulled a credit report and the following information is wrong : Real Estate Credit accounts ; Both XXXX and XXXX have an inflated amount, they have the payments due as {$7700.00} per month, but should be {$4900.00} as reflected by Experian. 

Both XXXX and XXXX have Installment credits accounts as {$2400.00}, this is incorrect. The amount should be {$1000.00}, as reflected by Experian. 

XXXX  has my name as XXXX XXXX XXXX, it should be XXXX XXXX. 

Experian has a late payment for XXXX, dated several years ago, the car was turned in for another vehicle, I was never late on the payment.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 2 o 4 a section 2 ) ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666a A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Please correct or remove the following payment history ( s ) to either paid on time or delete the entire account from my consumer report without reentry XXXX Correct as Paid on time or remove from report XXXX Account is being reported as 0 % paid, This is a big error that is being reported, I had this account since XX/XX/2022, Account has been paid on time monthly. Please remove from consumer report. 

XXXX I do not own or have any knowledge of this account- Pleasr remove from my consumer report XXXX do not own or have any knowledge of this account- Pleasr remove from my consumer report
Consumer complaint received 2020-05-11
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

I'm submitting this complaint to remove an unauthorized hard inquiry from NISSAN MTRS ACCPT IFS # 1 that occurred on XX/XX/2020. This hard inquiry was initiated without my knowledge or consent. Please remove the inquiry as soon as possible. 

Institution Information NISSAN MTRS ACCPT IFS # 1 XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Actions I have taken : I have called ( XXXX ) XXXX and ( XXXX ) XXXX for assistance and sent emails to XXXX, however this issue has not been resolved. 

Attachments : I have attached my XXXX  credit report and my XXXX  report from XXXX. 
The hard inquiry from NISSAN MTRS ACCPT IFS1 is located at the bottom of page 39 and the top of page 40 of the XXXX   credit report. 
The hard inquiry from NISSAN MTRS ACCPT IFS # 1 is located at the top of page 14 of the XXXX  report from XXXX.
Consumer complaint received 2021-08-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc (CO)

I started receiving emails from Chime congratulating me on opening an account with them. I did not open an account and tried to call them. I have not been able to speak to anyone in this company to tell them this is a fraudulent account. I was able to email their support contact and they want me to email them my drivers license and social security number. I refused to email this information since is not a secure and they won't do anything about the account until I do. I was able to log onto the account and change the password so no activity could take place. I just want the account closed and them to investigate who and how it was opened in the first place.