davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-05
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had a very large number of unauthorized charges stolen off my card Aprox XXXX I contacted Bank of America in regards to this, they quickly disputed the items and retuned a good portion of the stolen funds to my card, canceled my B of A debit card and issued me a new one. I was then instructed to call back as some of the charges were still pending ( {$270.00} ) and they couldnt do anything about those until they cleared. Ive been calling them for over 2 months now waiting on hold for an hour or more. They tell me theyve disputed the items and I wait patiently and nothing happens so I keep calling still nothing happens. Today XXXX I waited on hold for an hour and 45 minutes with no answer. Are you able to help me get the money back from B of A that was stolen from me? It seems B of A is unwilling to return my funds.
Consumer complaint received 2022-09-20
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: Spring Oaks Capital, LLC (KY)

Third party creditors on my report dont no how they got my information nor did I give my consent I ask for the original contract I have an they yet to show me poof of that so I would like all third parties collection agencies removed please 623 ( a ) ( 7 ) 15 U.S.C. 1681s2 621 15 U.S.C. 1681 did not receive a Model XXXX XXXX XXXX notice!!!

15 USC 1692 ( D ) 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 : 15 U.S.C 1681s-2 ( a ) ( 1 ) ( a ) 15 U.S.C1692c 15 USC 1681a ( 2 ) ( a ) ( i ) 15 USC 1666 The right to erasure Articles 17 & 19 of the GDPR Pursuant 15 USC {$16000.00} 2 ( A ) i )
Consumer complaint received 2020-08-13
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: JPMORGAN CHASE & CO. (CA)

Despite the multiple previous written requests, the unverified items still remains on my credit report in violation of Federal Law. They failed to MOV and failure to POLP within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor and the credit bureaus, as willful non-compliance. XXXX - Card Service XXXX Open Date XX/XX/1999 Balance {$0.00}
Consumer complaint received 2021-06-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (FL)

In XX/XX/2020 I Applied for a Refinance thru my current Lender US Bank which took over XXXX mths to close without any reasonable or good cause. I requested multiple times to my agent a Supervisor or a Response and it just dragged for what I truly believe was a Discrimination due to my XXXX and my sons XXXX. In XXXX I finally closed after my persistence with them and in XXXX I also involved HUD to do an Investigation which I am currently waiting on decision. 

I honestly did not expect this treatment from Us Bank nor I want this to happen to another person due to their ethnicity or XXXX. 


XXXX XXXX
Consumer complaint received 2024-11-21
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (KY)

I purchased a 2022 XXXX XXXX in XXXXXXXX XXXX XXXX thru XXXX XXXX. XX/XX/year> the vehicle was totaled. In the month of XX/XX/year> the car was paid in full by the insurance company and the extended service contract provider. I recently found out that they never issued a lien release for this vehicle. I have been receiving taxes due from the count clerk. I called XXXX XXXX XXXX  and they stated they never received the lien release from kia motor finance. On XXXX XXXX I contacte XXXX XXXX and informed them that the lien release was never received by the county clerk or state. and told them I needed a certified notarized copy of the lien release sent to me so that I can take in to have the state and county release it so they can stop charging me taxes on this vehicle and refund the past due taxes because it has been 2 years. I was sent notification from XXXX XXXX via email on XXXX that it ws completed and mailed to me. I have never received it, I have called XXXX XXXX 4 times only to keep getting the run around
Consumer complaint received 2021-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I applied for a Bank of America XXXX XXXX credit card online through there mobile application. When I submitted the application they were offering a promotion of {$200.00} if the consumer was to charge {$1000.00} within 90 days. I was excited to have the opportunity to build my credit and receive a {$200.00} cash back rewards bonus, so I spent as much and paid well over {$1000.00} in the first 90 days. I called before I spent {$1000.00}, around $ XXXX and spoke with a lady who informed me that after the amount was reached it would automatically credit my account {$200.00}. So I waited 30 days after reaching and paying off the {$1000.00} in the set time frame. I called Bank of America again, the lady said she would put in a request for me and if I didn't see it call back in a week. I called 2 weeks later and they notified me that it should be credited to either my banking account or my credit card, i told them to apply it towards my past due balance. So for close to 3 months i had a balance of {$300.00}, which i expected {$200.00} from the bank and the other {$100.00} was an XXXX return. For multiple months my credit reflected i had a past due balance of that amount so it affected my credit negatively. I was under the impression and had been re assured multiple times by representatives that I would receive the {$200.00} since I had met all requirements and im eligible. The credit card that they had issued me is exactly the same as the one on the promotion. Recently they sent a letter saying that they will not be issuing me then {$200.00} cash reward because the credit card I APPLIED for didnt offer a cash reward bonus. So I called them, they informed me that the promotion was for the Bank of America XXXX XXXX XXXX and that I have the XXXX XXXX  but no XXXX  After being told over 3 or 4 tImes not to worry and that I would receive the promotion. I feel that Bank of America misrepresented a promotion, that was falsely advertised and we're deceitful. I was encouraged to spend {$1000.00} in 3 months but after I reached that amount they had no intention of crediting me the {$200.00} even though I was promised and re assure multiple times.
Consumer complaint received 2022-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (KY)

Third party creditors on my report dont no how they got my information nor did I give my consent I ask for the original contract I have an they yet to show me poof of that so I would like all third parties collection agencies removed please 623 ( a ) ( 7 ) 15 U.S.C. 1681s2 621 15 U.S.C. 1681 did not receive a Model XXXX XXXX XXXX notice!!!

15 USC 1692 ( D ) 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 : 15 U.S.C 1681s-2 ( a ) ( 1 ) ( a ) 15 U.S.C1692c 15 USC 1681a ( 2 ) ( a ) ( i ) 15 USC 1666 The right to erasure Articles 17 & 19 of the GDPR Pursuant 15 USC {$16000.00} 2 ( A ) i )
Consumer complaint received 2021-06-21
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: MoneyLion Inc. (IL)

Someone opened a Money Lion loan using my information, the account shows on my credit report for XXXX opened XX/XX/2021 ... i have tried to contact the company with no success. I had to close my bank account and open a new account due to this fraudulent activity. Please help me get this account removed from my credit report. 


Thanks XXXX XXXX
Consumer complaint received 2021-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (TX)

I took out a Private school loan with My Rich Uncle ( aka 'XXXX XXXX ' ) back in XXXX. At that time I was at the University of XXXX at XXXX ( XXXX ). Please note this school has changed its name to the University of XXXX XXXX XXXX XXXX ( XXXX ) in XXXX. In XXXX I transferred to the University of TXXXX XXXX ( XXXX ) where I am presently enrolled. A few years ago, I noticed that American Education Services ( AES ) the loan servicer erroneously reported to all the credit bureaus that this student had begun making repayments on this private loan and then stopped. This resulted in AES issuing another false report to all the credit bureaus that this student had DEFAULTED on his loan payments and as a result, he has missed several payment deadlines. This is the crux of the problem because when you review the Credit Report ( CR ) of this student one will see that all of his student loans, both private and federal have been placed in deferment until graduation on XX/XX/XXXX. 
Interestingly, AES is the only servicer who has engaged in this type of unprofessional conduct. When I brought this to their attention a few months ago, they sent me a deferment form to fill out and return with a copy of school 'Enrollment Verification ' ( EV ) which was done about a month ago. Then two days after receiving the completed deferment form and EV -- -they issued a letter of denial stating among other things that I no longer qualify for deferment even though I have never left school and still in school. This 'Dirty ' tactic of reporting me as being in default is negatively affecting my CR and this reporting of false information needs to STOP.
Consumer complaint received 2021-10-26
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd. (IN)

On XX/XX/2021 got a call from HARRIS & HARRIS , LTD # XXXX asking me to provide my personal information as data of birth and SSN claiming XXXX XXXX sent my bills to collections. I never used XXXX XXXX services and rude demand from my personal information seemed suspicions to me. 
I am asking CFPB to check HARRIS & HARRIS , LTD # XXXX suspicious activity and protect citizens from abusive scam tactics used by HARRIS & HARRIS , LTD . 
Best, XXXX XXXX
Consumer complaint received 2024-10-16
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: Experian Information Solutions Inc. (NY)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXXXXXX XXXX ....
Consumer complaint received 2020-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

1. Took auto loan from XXXX XXXX XX/XX/XXXXin XX/XX/XXXX XXXX. Made 1st payment of {$34000.00} in XX/XX/XXXX, {$580.00} in XX/XX/XXXX, paid {$580.00} in XX/XX/XXXX, Paid in full in XX/XX/XXXX by paying last payment of {$770.00} in XX/XX/XXXX 3. Received letter from Bank on XX/XX/XXXX that the auto loan is paid in full 4. Got the title from XXXX on XX/XX/XXXX in my name. 
5. I received a my credit report from Experian indicating a 30 day late payment for the loan in the month of XX/XX/XXXX. 
6. Called XXXX XXXX XX/XX/XXXXand experian to file the dispute. 
7. My credit score dropped from XXXX to XXXX during XX/XX/XXXX. I only have 3 revolving accounts which are never late and fully paid. 
8. I called multiple times to XXXX XXXX XX/XX/XXXX and experian and finally on XX/XX/XXXX, they removed the late payment from my report and now my credit is @ XXXX In the overall 8 months i lost 100 points on my credit score and was not able to buy home due to low credit score which was not my fault. 

I need the following resolution 1. Want my credit score back to XXXX + XXXX. Need to have bank fined for wrong reporting 3. I should be compensated for all the time i spend and the deals i lost due to credit report issues.
Consumer complaint received 2024-11-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (DC)

On XX/XX/year>, Citibank processed five fraudulent transactions against my account totaling {$7900.00}. I filed a identity theft report with the XXXX XXXX Police Department. The transactions include three unauthorized wire transfers and two unauthorized XXXX transactions. To date, Citibank has provided me a {$5000.00} provisional credit for the fraudulent wire transfers, but they have refused to refund me for the approximately {$3000.00} in unauthorized wire transfers. On XX/XX/year>, I sent Citibank a detailed letter disputing the fraudulent transactions and describing how their negligent handling of my savings and checking accounts resulted in and//or contributed to the fraud. Rather than address the issues I raised in my letter, Citibank retaliated against me by closing all of my accounts with Citibanks. In essence, my letter stated Citibank 's response to the fraud perpetrated against my accounts had been inadequate and did not meet the level of service and protection I expect as a valued Citibank customer. However, responded by closing all of my accounts. Given that I have held savings and checking accounts with Citibank for almost 40 years, I found their behavior abominable, highly unprofessional, retaliatory and a clear violation of my consumer rights and protections.
Consumer complaint received 2021-09-20
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: EQUIFAX, INC. (GA)

This duplicate complaint identified as XXXX ' is per request from " CFPB '' representative XXXX whom I communicated with via voice contact at XXXXEST XXXX. XXXX explained that without requesting me to file two duplicate complaints it would be impossible to send the original to " Equifax '' and " XXXX '' additionally. Please know this filing is solely for the above mentioned matter and specifically addressed to " Equifax ''. 
XXXX XXXX XXXX -- -- -- -- -- -- -- -- - To describe what happened I'd like to start by explaining that the debts were originally owned by " XXXX  XXXX XXXX XXXX  '', " XXXX XXXX  '', and " XXXX XXXX ''. I'm not sure when those debts were purchased by " XXXX XXXX XXXX '', but I also didn't receive notice rather I identified negative reporting connected to my sole proprietorship on my " Equifax '', " XXXX '', and " XXXX '' accounts. I was discriminated against by XXXX XXXX who I was told was assigned to my account. I reached out to the company via email on XXXX. XXXX, XXXX  @ XXXXEST after our initial contact to create a level of understanding, but it felt from the way XXXX XXXX to me during our second conversation that my wants and needs were disregarded specifically their role in our relationship. I contacted the company a second time and did inform them of the discrimination and that I will file legal action.
Consumer complaint received 2024-10-31
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: GOLDMAN SACHS BANK USA (FL)

XX/XX/XXXX : I received and email to XXXX from Apple Card Support / Goldman Sachs stating that my account had been closed due to a failure to comply with the terms and conditions. No further information was provided in the email. Please note this account has been in good standing since XXXX of XXXX. XX/XX/XXXX : I called Apple Card Support and asked what terms and conditions were violated because my account has always been in good standing with no late or missed payments. I was transferred to XXXX departments all in which could not provide an answer. Then I was transferred to a manager who documented my concerns and escalated the issue with Case Number XXXX requesting my account be reviewed as it may have been closed in error and also additional information. Current state I have no access to the savings account. As of XX/XX/XXXX my credit account balance had been paid in full and I can not access my savings account. This is due to their inability to conduct a dispute properly and blame the victim. I would like to formally request proof that I authorized the transaction disputed in the amount of {$50.00} that most likely lead to my account closing and being locked out of my savings account.
Consumer complaint received 2022-09-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2019-03-26
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. (KY)

Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX/XXXX  partial account numbers : XXXX and XXXX ( page 29 of the attached credit report ). These accounts reflect a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. It is impossible to past due on accounts that have a {$0.00} balance and {$0.00} past due. I have contacted the two bureaus to fix this coding error.
Consumer complaint received 2020-10-05
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. (NM)

The account XXXX CONSUMER - XXXX - is reporting inaccurately on my credit report with Experian & XXXX. This account is showing as a profit/loss Charge off and it is NOT as such! I was only late on the account a couple times & when they repossessed it I got it back 2 days later and have been current ever since. I was only late a couple of times. It is not a charge off and I still have the car. It is reporting wrong and that is a violation under the law.
Consumer complaint received 2022-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I recently ordered my consumer credit file from XXXX, XXXX and Equifax and notice these late payments with XXXX XXXX XXXX  # XXXX. I am requesting all be removed from my file this finding has caused stress, my credit utilization to increase which ultimately has caused a low credit score and credit denials along with higher interest rates. 15 USC 1666 Does not include Late Payments. Please remember 15 USC 1681 ( b ), & 15 USC 6802. I have a right to privacy and I never gave any of the credit reporting agencies permission to furnish a report on me in the first place. The line of credit that I have with your company, which is characterized as utilization on my consumer report. Your company is illegally reporting this experience i.e. my utilization. On my credit report. Your company is in clear violation of the law pursuant to 15 USC section 1681 2 ( a ) ( i ) -exclusions except as provided in paragraph three, consumer report does not include a subject to section 1681S - 3 -of this title any ( i ) Report containing information solely as two transactions are experiences between the consumer and the person making the report. The law clearly states transactions or experience between the consumer which is myself and you the comp corporation making the report are not included on my consumer report. Utilization is an experience with the line of credit that was extended between the Consumer and me the person. Congress clearly states that the reporting transactions are experience between the consumer and the person making the report is not to be included on internal reports. My privacy rights has been violated and I have been denied credit due to your reporting of late payments and utilization.
Consumer complaint received 2021-04-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (GA)

Called company XXXX XXXX XXXX XXXX on XX/XX/2021 @ XXXX Eastern Daylight Time to make payment or further arrangement and still received no response via letter as requested after discussion promise of response being sent written in the mail. Company needs to follow up on this as I called today ( XX/XX/2021 @ XXXX EDT and the representative continued to press me to disclose the phone number after Midland Credit Management already agreed to send requests and correspondences via mail. Representative continually put me on hold and then eventually hung up after XXXX XXXX of being on hold. Company supervision needs to reach out to me as they have promised.