davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-10
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Bank of America is reporting my loan as a charge-off despite releasing the lien and providing a certificate of satisfaction. I have called and faxed the lien release to them and they will not return my calls or confirm receipt once they are told I have one. 

Background. In XXXX, I attempted to get a loan modification through Bank of America. State of MD posted that modifications were available even if you were n't behind but anticipated problems. I was on time for my payment for both mortgages, but my wife lost her job. We asked for a loan modification for over a year, with no response. I contacted the bank 's military line and they finally responded and stated that they could not do a loan mod unless I went into the forbearance program. Entered the program and when my wife got a job I asked for the loan modification. POC confirmed they had all the information needed and asked us to wait. We waited and were told we were not approved because we were missing information. Of course, the POC no longer worked there. This went on for over a year, including work with a local liaison that worked for the county to work with the banks on load modifications. We applied again and again. After about 18 months we were told that we technically qualified for the loan modification based on the requirements, but the owner of the loan did n't want to modify. Mind you, I applied for this loan via Bank of America via my local branch. Bank of America, never communicated that they did not own the loan. I complained and in XXXX XXXX, I received a check for about XXXX from the Bank stating that they had not properly served me as a customer. I then learned that my loan for my XXXX trust was released, I assumed as a condition of their settlement for improper foreclosures. I aked, but Bank of America never gave me an answer about the check or the release. A year later ( XXXX XXXX ) I sold the home. However, Bank of America continues to report the loan as a charge off. I ca n't buy a house now even though I have the credit scores and the down payment to purchase a home. I have attempted several times to get this removed via credit reporting, calling the bank and going to the local branch. I have essentially been penalized by Bank of America because they were corrected for improper procedures. I have attached the original deed of trust and the certificate of satisfaction with matching liber folio. It is not right to say we treated you wrong, here is our attempt to correct our bad acts and then pretend the apology never happened. I want the charge-off removed and an explanation why they are fighting this. I have attached the settlement statement ( which I would not have without a release -- this was not a short sale ), Deed of Trust and the Certificate of Satisfaction recorded. Thanks for your time.
Consumer complaint received 2022-01-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (FL)

On or about XX/XX/XXXX, I opened a new Citi Priority checking account online with Citibank under a new account opening promotion that will give the new account holder cash back ( either {$300.00}, {$700.00}, or {$1500.00} ). My initial deposit was {$52000.00} on XXXX XXXX, XXXX, to make sure I met the requirements to earn the {$700.00} cash back. As part of my normal banking operations, I will, at least on a monthly occasion, attempt to deposit checks through the mobile app feature - Mobile Check Deposit ( " MCD '' ). This feature was advertised as being available under the Citi Priority checking account benefits at the time of account opening and continues to be advertised as such. The checks I usually deposit via MCD range between {$200.00} - {$400.00} dollars each. On XXXX XXXX, XXXX, I was able to deposit a {$200.00} check via MCD. On XXXX XXXX, XXXX, I deposited a {$59.00} check via MCD. However, on or about XX/XX/XXXX, I was unable to deposit a {$300.00} check via MCD and was forced to deposit it at the local branch via drive thru. Likewise, on or about XX/XX/XXXX, I attempted to deposit a {$200.00} check via MCD and was again denied. I was also forced to deposit the check at the branch. On these last two MCD deposit attempts via the app, I was notified of the following error message after the deposits were denied : " Hmmm ... looks like we're having some technical issues right now. Please try again later. - MFA_DENY '' After several calls with customer service, the fraud department, and the local branch 's customer service agent, I was notified that some customers who opened a new account online will not be able to continue to use the MCD feature. I was never previously notified of this change. Moreover, the feature is still available in my Citibank app and the message I receive when attempting to deposit a check via MCD is that there are technical difficulties and to try again later, not that the service is no longer available. 

Therefore, I would like a clear and precise explanation as to why this feature was removed and for the feature to be restored.
Consumer complaint received 2016-07-26
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (SC)

I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under sections 611 ( 5 ) ( A ) of the FCRA - they are required to ... promptly delete all information which can not be verified, that I have disputed. Please resolve this matter as soon as possible. Thank Account Name- XXXX Account Number- XXXX Account Name XXXX XXXX Account Number- XXXX Account Name- XXXX Account Number- XXXX
Consumer complaint received 2022-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Checkr, Inc (LA)

Per XXXX and XXXX, I notified Checkr of not having my written consent to furnish any information on the consumer report they created about me. Checkr disregarded my letter and did not delete the info I told them to delete/remove. I did not dispute anything and I mentioned that it was not a dispute. Im enforcing my federal consumer rights. 15 USC 1681 my written consent has to be given to furnish any information on a report about me.
Consumer complaint received 2022-10-02
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 contacted XXXXXXXX XXXX several years in an attempt to resolve a past due balance on my XXXXXXXX XXXX XXXX I asked for a supervisor several times because I wanted to have late fees removed in order to pay my balance in full. I eventually got to a supervisor and told him I just wanted to get the matter of the fees to be dealt with and I would be able to pay my balance in full. 

He lead me to believe that I was going to have my fees waived and would be able to pay my balance, however what he actually did was he entered the payment I made as a " settlement '' and closed my account. And now I have this account flagged as a settlement on my credit report, which was not what I agreed to, this has caused me measurable financial harm and this complaint is my last resort before filing suit in small claims court. 

Attempting to resolve this with XXXX I was told by a representative that I did agree to a settlement for less than the full balance, which is blatantly dishonest, I paid the full amount of all funds received and asked that the late fees be removed, to call this a settlement for less than the full balance is something I consider to be almost defamatory as the account was " settled '' and closed without my informed consent.
Consumer complaint received 2017-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (MD)

Please note that Im mailing my final documents using Reference Number XXXX to inform you that I did settle an amount on my NFCU Accounts but Im not satisfied with the state of my credit. After thoroughly investigating the NFCU- PPP complaint the attached letters displaying the organizations ( NFCU and XXXX XXXXXXXX XXXX Letter Head with Logo validates that XXXX XXXX did in fact purchase a PPP and was eligible for protection during the time that NFCU sent the accounts to collection agency, it doesnt magically erase the unjustified damage that was done to my good credit nor does the letters cite blame or initiate consequences for NFCUs mishandling of a service they offered and didnt render as designed. On XXXX/XXXX/XXXX NFCU sent me a letter for an Redress Payment as terms of a settlement between NFCU and CFPB to be applied to my account in effort to keep a positive relationship with me and adhering to their standard of excellence with members. I strongly disagree with the commitment to any standard of excellence extend to me while we were in litigation to resolve a matter that was initiated because NFCU failed to render on a service that I paid for. I will also send a letter to the Better Business Bureau as well. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-11-19
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

This credit bureau is reporting an account that has never been able to give me any verification that this account belongs to me. I have had one XXXX account my entire life, it is still connected Ive never had the account fall into collection and everything is always paid. 

Equifax is lying. Saying my last payment date was XX/XX/2022. Complete lie. Why is the balance being updated XX/XX/2022? I dont have access to this account and it is closed. I need proof that this belongs to me!! I dont even know how to access this account. I called the company and they have me no where in their files. Equifax can not provide verification for this and is still falsely reporting it, which is hurting my score! 

THIS IS MY XXXX TIME DISPUTING AND EQUIFAX HAS NEVER BEEN ABLE TO PROVIDE VERIFICATION FOR THIS ACCOUNT. I AM LIABLE TO SUE FOR DAMAGES! 

EQUIFAX IS THE ONLY CREDIT BUREAU THAT IS REPORTING THIS INACCURATE ACCOUNT
Consumer complaint received 2022-11-19
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: EQUIFAX, 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 XXXX XXXX XXXX. 

Account name : XXXX  XXXX # XXXX Account name : XXXX XXXX  # XXXX Account name : XXXX # XXXX Account name : FIRST XXXX  : XXXX Account name : XXXX XXXX XXXX IN Account name : XXXX XXXX XXXXXXXX Account XXXX : XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name : 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 2022-01-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (FL)

This is the letter I wrote to Navient on XXXX XXXX XXXX. 
Below is my detailed Student Loan Information. I have also enclosed a pay-out history showing the payments that have been made to date, including CAPTIALIZED INTEREST and LATE FEES. 

I do not understand how I can be charged INTEREST in ADVANCE. The first loan was paid in full prior to the original due date, however, based on this CAPITALIZED INTEREST I was charged for interest on this loan for the entire duration of the loan even though I paid it off early. 

I would like detailed explanations for the following charges : 1. I would like an explanation and justification for the charges of Capitalized Interest. The TOTAL in CAPITALIZED INTEREST since XXXX is {$10000.00}. This is in addition to the monthly interest I have been paying. 

2. The TOTAL in LATE FEES since XXXX ( which was a result of the XXXX foreclosure crisis when my husband lost his business ) is {$210.00}. 

3. I would like an explanation of the an AdjustmenXXXX of {$1700.00} made on XX/XX/XXXX. 

4. I would like an explanation of the fees charged on the following payments : Payment of {$250.00} on XX/XX/XXXX - {$210.00} fee Payment of {$240.00} on XX/XX/XXXX - {$22.00} fee Payment of {$380.00} on XX/XX/XXXX - {$11.00} fee Payment of {$190.00} on XX/XX/XXXX - {$11.00} fee 5. I would like an explanation as to why NOTHING was applied to my Principal Balance for payments on the following dates and ALL was applied to interest : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX All payments that were made on the XXXX of the month for the entire year of XXXX All payments that were made for XXXX, XXXX, XXXX, XXXX and XXXX of XXXX In summary I have calculated the following : INTEREST PAYMENTS TO DATE : {$15000.00} CAPITALIZED INTEREST TO DATE : {$10000.00} XXXX. FEES {$260.00} LATE FEES {$210.00} UNEXPLAINED ADJUSTMENT {$1700.00} {$28000.00} It seems criminal to me to be charged {$28000.00} in interest and fees on a loan of {$48000.00}. I DEMAND AN EXPLANATION. 
I am wanting to pay the other 2 loans off within the next 30 days. I would appreciate an adjustment of the CAPITALIZED INTEREST as well as all the other interest and fees paid to date on these. 

You can calculate a PAID IN FULL date of XX/XX/XXXX. 

It appears to me that YOU owe money to ME. 

Please be advised I will take this to the highest authorities possible in order to have this type of criminal activity exposed.
Consumer complaint received 2022-01-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (FL)

On XX/XX/XXXX at XXXX XX/XX/XXXX I received an email from TrueAccord stating that I have an account with XX/XX/XXXX ( originally XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX ) and that they are trying to collect an old debt on their behalf. I do not owe this dept, I have none past due to any entity and they state my address as XXXX XXXX XXXX XXXX, XXXX FL ( I do not live at this address nor have I ever been to XXXX Florida ). They state I owe {$2100.00} from XX/XX/XXXX, including interest. I am assuming that this is a scam and DO NOT WANT TO RESPOND TO THEM FOR THAT REASON! When I attempted to research them, all of the articles about them are written BY THEM so of no good. There supposed contact info is : Email : XXXX Phone : ( XXXX ) XXXX XXXX M-F est Mail : XXXX XXXX  XXXX, XXXX, KS Please advise!
Consumer complaint received 2015-04-13
Product: Consumer Loan — Vehicle lease
Issue: Shopping for a loan or lease — 
Company: Byrider Franchising, LLC (FL)

Good Night, My name is XXXX XXXX. I am financing a XX/XX/XXXX ford XXXX with XXXX XXXX in XXXX Fl. The branch in XXXX recently closed down so we have been dealing with the francise in XXXX for payments. On XX/XX/XXXX called to make my biweekly payment. My sister and I typically split the bill in half. XXXX was the agent I was dealing with that evening. I asked her to verify if a card was in their system as she verified I realized she was asking if I wanted a confirmation email. She had already charged the full amount to the account and on a card that I did not verify. When I told her that her response was rude. She immediately began to blame me for being at fault. She was very unprofessional and unapologetic. She even hung up the phone on my sister and I when we called back to find out what she could do to fix this inconvenient error. We then called back and spoke to XXXX hoping he would provide insight on how to file a complaint and get in touch with headquarters so that the recorded phone call could be reviewed. He told me that he had no contact info and that they were corporate. He started telling me that he heard what happened and that I was at fault for the situation at hand. I am frustrated at the customer service I received that day. I have contacted BBB, FFR, and the Fl attorney general. I dont feel I should be stuck doing business with a company that has no respect for me and such callous disregard for mistakes made to customers. 


XXXX XXXX
Consumer complaint received 2022-11-19
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: EQUIFAX, INC. (TX)

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 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 2022-11-19
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-01-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (MO)

On XX/XX/2022 I visited XXXX XXXX casino and made several withdrawals from various atm machines. The last two transactions failed as the ATM was out of money. I called chime and advised them that the cash transactions failed. They immediately denied my claims they have also been harassing me from XXXX every since I directly messaged them I have received follow requests from chime back to back very harassing I am afraid that they may be stealing my identity and sabotaging my account. So much has occurred its difficult to explain! But here are my documents and screenshots of my interactions and original atm receipts. 

Thank you XXXX XXXX
Consumer complaint received 2022-01-27
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 have previously questioned this account with credit institutions and each time the investigation returned as " verified ''. I decided to go directly to the creditors and file a dispute with them. The lender was unable to provide any form of documentation to verify this particular account with me. If they are unable to verify this account with me- the alleged account holder - there is no way to verify it!
Consumer complaint received 2022-11-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (NJ)

On XX/XX/2022 I sent a instant transfer from my PayPal account to my linked XXXX account in the amount of {$670.00}. The transaction cost me {$11.00} to process, making the total to a XXXX Account {$660.00}. Unfortunately the funds was sent to the wrong account ending in # XXXX, The correct account is # XXXX. I immediately contacted PayPal and spoke to the resolution department and was giving a case number and was told to wait 10 days that turn into 15 days of no responses. I contacted PayPal once more and was told the case has been resolved and completed without no correspondence of the results brought to my attention. So I was informed by PayPal to contact my bank ( XXXX XXXX to fix the problem because PayPal stated the deposit was made to my account. I personally went to XXXX and informed them of the situation and they ask for my account and the account the funds went to. I provided this information, the manager of the bank found the exact funds in that # XXXX bank account. ( {$660.00} ). We both got on the phone with the escalations department at PayPal and she specifically explained that the funds is in the wrong account. She continued to advocate for me explaining that this is something they need to fix because according to my reply 's PayPal stated they reached out to XXXX about the issue but the manager said that is false because in her system it shows no indication of such request for funds to be removed and transferred to the correct account. We was giving a new case number on speaker phone in the bank by the escalation team at PayPal and was informed that they will send the bank a new request to rectify the problems within 10 more days. I reached back out to the manager in person at the bank and we once again got back on the phone with PayPal and was giving the totally different response. ( I Quote bank manager ) where is the request you was sending to transfer funds to the correct account? This is when PayPal escalation department stated something different for the second time. myself and the bank manager was left confused to what obviously was fabricated information the previous and current person said. Paypal Never intended to follow through with sending a simple notification to XXXX bank to request that the funds be placed in the correct account. 
I was giving a complete run around trying to retrieve my funds with no help or assistance, just pure lies from PayPal. 

I also made a complaint with the XXXX XXXX XXXX  and of course PayPal refuse to Reply to my complaint.