davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-31
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX account number : XXXX Account name : XXXX, XXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX XXXX Account XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account number : XXXX Account name : Credit Coll Account XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX Account number : XXXX 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 2022-12-31
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY (CT)

Unfortunately I was unable to locate paperwork that details the specifics, but my car was repossessed by Wells Fargo in XXXX of XXXX  ( I believe it was XXXX  ). At the time I felt like it was completely wrongly and made many attempts with Wells Fargo to figure out what happened. They have since sent me a couple of checks totaling $ XXXX {$800.00} relating to the issue but I still feel wronged by what occurred and since their recent court orders that directly correlate with my situation I would like to explore further action.
Consumer complaint received 2016-05-23
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: DISCOVER BANK (VA)

Received legal statement/ from Discover Student Loans regarding CFPB legal action and settlement information for account holders. This letter contained information regarding my account, stating that it was eligible for a {$75.00} account credit for applicable servicing years. I have yet to see this credit applied to my remaining balance. I have called on XXXX separate occasions to inquire about when and how this amount will be applied. They have told me that the {$75.00} was applied to my XXXX XXXX statement, however, all deducted payments were made by me and my checking account funds. When I called the second time, I was passed around to XXXX departments and made to feel ignorant about their financial procedures and told that a special statement would be created to illustrate how this {$75.00} credit had been applied. To the best of my knowledge, all deductions to my principal account balance have come from my personal checking account. I have just received this " special statement '' and it is nothing more than loan information, original disbursement information and contains information about credit reporting. Nothing about your judgment against them for their illegal servicing practices with their student loan borrowers. I have had many issues with them over the duration of our contractual agreement, including upping my interest rate to above what they currently offer to new borrowers, taking additional payments on my account and applying them to interest, however, they were additional payments made to be applied to the principal, furthermore, I was instructed by their representatives to seek out plasma donation sites for income when I was out of work in XXXX and asking for a 30 day deferral.
Consumer complaint received 2015-08-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

On XXXX XXXX 2015 we closed on the sale of our house and Bank of America received the payoff on XXXX XXXX, 2015. At that time we had an escrow balance due of {$3800.00} +-. We have not received that payment and after XXXX phone calls to their customer service line we can still not get information on when we will be reimbursed. We have spoken to XXXX XXXX who assured we would receive our payment via usps by XXXX/XXXX/2015 and she would follow up with a call that day. She never called. Again we spoke to another representative, XXXX XXXX who said he would call us by XXXX/XXXX/2015. We have not heard from him either. It should be noted we were told the week of XXXX/XXXX/2015 the check was being sent XXXX and should have it XXXX/XXXX/2015. In none of these cases were we given a tracking number even though we asked. Note also that on the attached documents the escrow report shows a deduct from our account, we have not received that money.
Consumer complaint received 2016-10-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Credit Karma (TX)

Default judgement signed on XXXX/XXXX/2016. First payment to be made assuming in XX/XX/2016. Employer received wage with holding order sometime in XXXX ( did not come registererd mail for accurate date ). Order dated XXXX/XXXX/2016. Funds were collected from XX/XX/XXXX-XX/XX/2016 pay period. The information placed on my credit bureaus are inaccurate as well as different depending on which bureau. Contacted the attorney general of TX to discuss. They insisted local office would have information pertaining to resolutions of this matter. Local offices suggest the Texas AG main office and have not provided anything further than what I received from the main state office. This should not be in my bureau and accurate data and time of payments due should have been correct prior to reporting this to all bureaus. I never received notification until I pulled my bureaus this was being reported. I have attached bureaus, wage with holding order received by employer, email documentation asking for resolution and clarifications, etc.
Consumer complaint received 2016-02-20
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (FL)

After being unemployed and seeking assistance forced place insurance placed on property spent over {$850.00} to purchase windsto insurance. Ocwen will not adjust the mortgage payment to reflect insurance. I have been promised that they will spoke to supervisor who said it was done to pay {$840.00} instead of {$1400.00} now they have a late fee. I am not late they know I have insurance XXXX lower the monthly amount. I have gotten lies and runaround for a while. Help property address XXXX XXXX XXXX XXXX. XXXX fl XXXX
Consumer complaint received 2016-04-20
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: Onity Group Inc. (IN)

My mortgage company is reporting to credit bureaus that my account is closed due to bankruptcy filing of chapter XXXX. I am in a current chapter XXXX and making regular monthly payments to them but that not being reflected on my credit reports. i have called numerous time to have it corrected but nothing gets done and my cr5edit score is being effected by it.
Consumer complaint received 2023-01-01
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. (NC)

The company did not remove an account from my report after the XXXX sent information about an investigation on the account and deemed it to NOT BELONGING TO ME. I have a letter from the furnished stating that they have investigated and found that the account did not belong to me. This letter is from XXXX XXXX XXXX  and is on letterhead. 

I have attached the letter and the credit bureau needs to completely remove the account from my credit profile immediately and send me a full report and confirmation of this deletion from my profile. 

ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX
Consumer complaint received 2023-01-01
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. (CA)

In accordance with the fair credit reporting act convergent XXXX XXXX XXXX XXXX  XXXX XXXX has violated my rights. 

- 15 U.S.C 1681 section 602 A. States I have a right to privacy.

- 15 U.S.C 1681 section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-12-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

In the middle of XXXX, I fell extremely ill and was hospitalized for nearly a week. Upon exiting the hospital, while still extremely ill, I noticed my credit score had dropped over XXXX points. This was after Bank of America closed all of my credit card accounts over a {$900.00} delinquent balance, without calling or contacting me once. 

I had called multiple times, attempting to speak with a representative, but the customer service line is so convoluted, confusing and buggy, it took me multiple attempts to speak with someone. Even then, I was hung up on multiple times by representatives who, it seemed, just didn't feel like helping customers/fellow employees. 

I contacted the XXXX support center and spoke with XXXX, and then his supervisor XXXX on XX/XX/XXXX while still very ill and recovering to try to rectify the situation, to no avail. I was told that, even though all of my other accounts had AutoPay enabled, this specific account did not have Bill Pay, AutoPay, or whatever other convoluted payment method enabled, even though I am certain I not only enabled AutoPay online, but scheduled multiple payments to pay, from an account that has well over {$300000.00} at any given time to pay balances which, at Bank of America, have never gone over {$10000.00}. 

I have been a customer at Bank of America for over 7 years, and an employee of the company for nearly 4 years. I had well over {$100000.00} of revolving credit and a net worth of nearly {$10.00} XXXX. None of this mattered, Bank of America still closed my accounts and decimated my credit rating without as much as a phone call. 

This is even more concerning, as, not to be overly contentious, I have been an exemplary employee, earning the company hundreds of millions of dollars. I earned the company so much money in XXXX of XXXX, that the company had to restate earnings by nearly {$600.00} XXXX higher than expected due to my contributions. It simply did not matter. The company just closed my account, and refused any further review. 

Even further enfuriating, the company ( XXXX XXXX told me that I was deemed a 'credit risk ' for my {$900.00} delinquent balance. This is laughable, as the company owes me more than {$3.00} XXXX of deferred compensation, as well as my salary being many XXXX multiples of the {$900.00} balance. To put it bluntly, even disregarding my deferred compensation, the company, at any given time, due to time worked, owes me more than {$900.00} when taking into consideration accrued pay, accrued vacation, sick leave, etc. 

I just want the company to resintate my accounts, with their former available credit balances and length of account history. I am planning on buying a house this year, and my credit score dropping from an XXXX to a XXXX will cost me hundreds of thousands of dollars in incremental fees, interest and expenses.
Consumer complaint received 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (MI)

I never signed up for this reoccurring package on the Experian App. I have dealt with this 2 months in a row and they need to cancel it- it is going to over draw my account.
Consumer complaint received 2022-12-31
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-12-31
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)

In accordance with the fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially 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 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 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 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 All accounts above has violated my rights. 



15 U.S.C 1681 section 602. A state, 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 9 ( a ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information 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- ( 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 2022-12-31
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. (FL)

In accordance with the fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially 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 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 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 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  All accounts above has violated my rights. 



15 U.S.C 1681 section 602. A state, 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 9 ( a ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information 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- ( 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 2022-12-31
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States that I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-12-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (MO)

On XX/XX/2022, my friend and I attempted a third party mobile deposit in her name through me. The mobile deposit was not going to be available until XX/XX/XXXX. The next morning on the XXXX, I noticed that my transactions were declining and I called the bank. The bank stated that my account was restricted and they needed my friend and I to go into a branch and present XXXX forms of identification and her authorization for the deposit. My friend nor I, have a car so we were not able to get to the bank until that Wednesday the XXXX. When we went into the branch in XXXX, MO. Located at XXXX E. XXXX XXXX. XXXX, MO. XXXX XXXX, we presented the man out XXXX forms of identification and she gave acknowledgement to the consent of the mobile deposit. The man called and informed the XXXX of all that was going on. While on the phone he informed me that Chase was closing my account. I asked if he could see my deposit from my XXXX? And he said yes and showed me. I asked how do I get my money? He said they will be mailing it to you. I asked did he know when they sent it out and he said today. The following day XXXX looking through my account and I see my XXXX deposit in there and XXXX cant access my funds. I start calling the banks and they said they hadnt lifted the restrictions because the check had not returned yet. I said, so you all have not even actually began the process of sending me my check and I was told no, and I asked so what am I supposed to do? I cant even leave my house now because I have no money. My rent is due, the money was going towards my down payment for my car and I was to let my boss know when I got my car so I could give him a date of exactly that I would be reporting back to work. I have talked to so many people. I called the branch back and was told to come in and they would look AGAIN and I can not even get a ride there. I have now at this very moment been on the phone with a woman by the name of XXXX she is a XXXX XXXX XXXXXXXX and she told me I have to go back into a branch with my friend and verify identification and I told her we already did that and she said it doesnt say I did. Like what?? I have now been on hold for a hour and a half for a XXXX so I can tell my story to now for the hundredth time. I did all they asked of me. I even asked could they unrestrict it while on the phone with me so I could just upload my funds to XXXX XXXX  so I could have access to my money and she said no. XXXX so frustrated! Yes, there is rules and procedures but when XXXX is following them why arent we upholding to those exact guidelines. I am at a loss and so XXXX, this is mind boggling to me they can hold my money like this. I need some help please! And even after my situation is handled and my account is fully closed, I still want Chase to be held accountable for not upholding their very own policies and regulations when it comes to their customers.
Consumer complaint received 2016-08-18
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (TX)

My issue is with Citi Bank who now handles credit for Macys. About one year ago I was moving to a new location and a few of my bills were missed, including a Macy 's bill. I had a XXXX balance so I could n't imagine why my credit card was closed. Citi Bank now charges Macy 's card holders a fee if they do n't use their card. I was never told anything about this. I knew I had a XXXX balance so I did n't understand why I was being penalized. Citi Bank has been more than difficult about this. They seem to be the ones at Fault because they do n't make this clear to customers. I do not appreciate having my credit card closed and now have denied another card. I did n't even do anything wrong. I talked to serveral people in the upper level credit division and they said they have received many complaints about the extra fees. This action is not good, I am sure it has impacted my credit.
Consumer complaint received 2019-12-26
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: MCU Holdings, LLC (NC)

Management Capital United Holdings called me several times, they said my name and address and said they had my social security number ( when i XXXX them nothing shows up ) they called my place of employment and a relative. Ive never received a letter from this collection agency so i don't know any amounts or the original company. They've called five times this month and said they would press charges against me to the fullest extent of the law and I needed to govern myself appropriately. Ive tried calling them back but when I called I got an answering machine with NO company 's name until I followed the prompts and I got a voice mail again. They said my account has reached escalation and will be sending papers to my home in XXXX.