davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-21
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account status incorrect
Company: Lending Club Corp (NY)

In XXXX of this year of 2020 I contacted lending club to put my account on a payment payment arrangement. They said that they did that but that was not the case and a month later I was reported to an outside debt collector. After contacting Lending Club they admitted that it was their error and their computers did not reflect that I was on the payment program. They corrected the credit issue this dirt time. Since then I have had 3 other occasions all on different months where my credit report reflected that I was delinquent in the month of XXXX, and then XXXX, again in XXXX, and now in XXXX. All reported on different occasions once they said the problem was fixed. This is the only negative information on my credit report and as a result of Lending Club reporting this I have lost one of my credit cards and my available credit on another card has been reduced. Every time they fix the problem a month or two later its reported as late again for the different month. It takes a month to update this information where my credit report shows delinquent. This is unacceptable and my credit has been in disarray because of Lending Club since XXXX. They keep fixing the issue but it keeps in happening again. Financially they have crippled my ability to support my family for over 6 months. This seems like legal action is appropriate. I pay my bill on time and still have his happen.
Consumer complaint received 2021-09-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

Hello, I submitted a complaint about Bank of America ( BOA ) charging a " monthly maintenance fee '' on my savings account of {$12.00} a month without informing me in advance or alerting to coming changes. I submitted this complaint to CFPB ( XXXX ) and I have been trying to get in touch with somebody from BOA. I have contacted them and been told they would get back to me ( they never have ). Now I realized they have also recently started charging a " monthly maintenance fee '' of {$25.00} a month on my BOA checking account as well! Also without any alert or prior notification, in leu of me informing them that I was NOT notified about similar charges on my savings account being made without notification to me. This is not even discussing the legality of the withdrawals, and whether if they are allowed to take any money from my account as they see fit without notice? This is theft plain and simple. 

The fact that they have started doing this recently on my checking account, knowing I objected to them doing this on my savings account without notice ( and charging even more ), after I informed them ( BOA ) about the complaint ( and BOA ignoring my attempts to communicate and not contacting me back as they said they would ) gives the impression that they are not worried or threatened by CFPB and any actions that you might take. I hope I am wrong but I am fast losing my confidence as nothing has been done and I feel I may need to take this up with my political representatives and attempt to shame by social media. I hope it does not come down to this and that the regulatory presence of CFPB is respected. I am an American citizen living abroad, and I still have an banking account in the US, so it is not so easy for me to change banks and I would need to wait until XXXX time, meanwhile BOA is free to charge my account whatever fee they see fit without informing me. 

It is not much money in grand scheme of things ( but it could be for many people ), it is the principal of the theft that is disturbing. What is stopping BOA in the future from taking say 5, 10, 20 % of earnings from any costumers bank account without any notice to the customer? Where does this end?
Consumer complaint received 2020-11-21
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. (VA)

12 months of on time payments in XXXX and XXXX reported as late by mortgage company. All three reporting companies fixed this last year, but Equifax and XXXX  are now reporting the same bad information again and have not fixed it despite repeated disputes.
Consumer complaint received 2020-11-21
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ACRE MORTGAGE (NJ)

MY CLIENTS XXXX XXXX XXXX XXXX XXXX XXXX All of my clients have requested to close out there loan request and have there appraisals moved to another mortgage company. Acre Mortgage is the most unprofessional and mortgage company I have ever reffered my clients too. They miss mortgage commitment after commitment. They miss settlement date after settlement date if you think Im lying just check there reviews. They even threatened one of my clients with bogus fees if they left there company. Now they are refusing to transfer the FHA appraisals which is tying up my clients from moving forward with there settlements! 

There has to be something you can do to help my clients!
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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.
Consumer complaint received 2020-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX account is reported by collection agency without allow me to dispute it following FTC guideline for 60 days statutory period allow by law under Federal Truth In Billing and credit Reporting Act.
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act XXXX BANK # XXXX. 
Account XXXX XXXX # XXXX. 
Account XXXX XXXX XXXX XXXX # XXXX. 
Account XXXX XXXX XXXX # XXXX. 
Account XXXX XXXX XXXX # XXXX. 
Account XXXX XXXX XXXX # XXXX. 
Account 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
Consumer complaint received 2020-11-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (NC)

hey im having issues with my credit due to inaccurate information appearing on my credit report from lvnv funding llc XXXX XXXX  XXXX XXXX sc XXXX I lost my job due to covid 19 and this on top of this is stopping my progress in life and i would like it removed from my credit
Consumer complaint received 2020-11-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF NEW YORK MELLON CORPORATION, THE (UT)

My XXXX account had fraudulent charges on it from starting on XX/XX/2020 for {$69.00} then one for {$50.00} on the XXXX, then one on the XXXX for {$85.00} then their was 3 on the XXXX for {$69.00}, {$85.00}, {$85.00}, then 3 more on the XXXX for, {$58.00}, {$85.00}, {$100.00}, and then 2 more on the XXXX for {$85.00}, {$100.00}, and then 4 more on the XXXX for {$58.00}, {$85.00}, {$85.00}, {$100.00} then the last one was done on the XXXX for {$50.00}. So their was 16 unauthorized charges taken from my account. I contacted XXXX right away and they helped me get a new card and password reset and then they submitted the form for those fraudulent charges. The lady on the phone said that i would be receiving the money back within 10 days. I hadnt heard from them or seen any changes to my account so I called them again and they said it would be resolved and it should be on my account on XX/XX/XXXX. However, I ended up getting a letter from BNY Mellon saying that they have investigated the charges and they determined that those charges were valid. Which is wrong! I had these charges also taken out of two of my other accounts with different credit unions and they said they were fraudulent and they gave me my money back. So i have tried to get a hold on BNY Mellon several times even leaving messages and havent heard back from them and i think this is wrong and vert unfair.
Consumer complaint received 2020-11-21
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ACRE MORTGAGE (PA)

On XX/XX/XXXX I decided after not reaching my mortgage commitment date ( XX/XX/2020 ) for the purchase of my new home to seek financing with another mortgage company ( XXXX XXXX XXXX ). I wrote a letter to cancel my mortgage and release my appraisal on XX/XX/XXXX and submitted this letter to Acre Mortgage and XXXX XXXX. They have blantently refused to honor my request and now have cause me to miss my settlement date of XX/XX/2020. My realtor ( XXXX XXXX ) has requested over and over for them to transfer my appraisals to no avail. XXXX XXXX has even contacted me trying to steer me back to Acre Mortgage. Please help Acre Mortgage is ruining my life and I may end up with no where to live If I dont get this resolved ASAP.
Consumer complaint received 2020-11-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY (NJ)

I am a victim of ID theft and my system was hacked where my email and card details were compromised to purchase gift cards from Target online using my target card. Here is the sequence of events : 1. On XXXX, XXXX, XXXX - 3 transactions of {$470.00} were executed for buying Digital gift cards totaling {$1400.00}. 
2. I immediately informed the card services of this breach on the same day and they confirmed that they will take care of this. 
3. They reversed the transactions and gave me credit for this in the next statement.

4. To my surprise they again inserted these charges in the next statement sending me a letter on XX/XX/XXXX stating that these transactions were made by me. 
5. I called the Fraud department and they asked me to appeal against the decision.

6. I sent an appeal letter on XX/XX/XXXX explaining the whole episode stating that I never ever purchased digital gift cards using target card. 
7. They again denied the claim and when I kept on calling one of the representative asked me to fill a questionnaire to review the claim and he was surprised why I was not given this questionnaire in the first go. They sent me the questionnaire on XX/XX/XXXX which I filled and sent them along with Police Report which I made on XX/XX/XXXX along with old police report of ID theft from XXXX in addition to Identity theft report filed with FTC. 
8. To my surprise the questionnaire was applied against a few legit transactions instead of fraudulent transactions mentioned above due to sheer negligence of Target.

9. Instead Target went ahead and reported " Delinquency '' to credit Bureau which resulted in my credit score getting a hit. Also they continue to put late fee and interest charges on this balance. 
10 This whole episode has not only hit me with $ $ but has caused a severe harassment and mental fatigue. I never expected this from a retailer who has been hit by a cyber breach in the past, I even went to XXXXXXXX XXXX XXXX  and they ignored my request. 

Request you to please help take it up with Target/ TD bank card services. 
Thank you
Consumer complaint received 2020-11-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (FL)

I signed upon Online for a Citi XXXX XXXX  Credit Card around XX/XX/2020 at the same time I requested 3 balance transfer one of which was XXXX for {$1000.00}. 
All three showed being transferred on XX/XX/2020. Two of them did make it to the other banks the XXXX did not and still has not but yet Citi has charged my account. I have spent hours on the phone with both Citi and XXXX and they keep pointing fingers at each other that the other one has my money. I have done disputes that were then cancelled and a letter sent to me by Citi that the problem has been resolved and I received my money and they closed the case, but yet I have not received my money. I have been hung up on by 3 separate employees of Citi, two. Of which were supervisors. I have requested phone numbers for someone other than customer service and that is all they will give me. I have asked for a compliance department and they do not know what I am talking about. The best I could get was an address in Delaware which I sent a letter but have not heard anything as of yet. With all the many phone calls, three way calls between Citi and XXXX this is going no where and I am out {$1000.00}. The only written documentation I have ever received from either company is a letter dropping the investigation and saying I have received my money. Citis business practices are such that I dont know who to go to next. Can someone get back to me and give me some directions. Thank you.
Consumer complaint received 2020-11-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc (FL)

On XX/XX/20 i received a notification from Chime bank that my account was in the negative for over {$200.00}. I was surprised because i only had {$13.00} to my name because i was unemployed. When i checked my account a hotel i was staying at charged me an additional {$180.00}. No explanation whatsover. I had paid up to the date i was supposed to check out. I wasn't supposed to check out until XXXX i actually left 3 hours early. The room was left immaculate I even took photos. Now the only card the card the hotel had on file was a temporary card because i had lost mine. I never gave them my new card info. Yet somehow they were able to charge my card for {$180.00}. How was this possible? I only had {$13.00} to my name. How did Chime pay this? I complained they sent me a dispute form which i filled out and returned that same day. For over a month i never heard back from chime. This past Wednesday my new employer put my direct deposit into my account and chime took it to cover the {$180.00} still leaving me - {$9.00} in my account. Ive called them and emailed them everyday all day and all they keep saying is that theyre working on it but they have up to 90 days to return the money. Thats XXXX, it took them seconds to take my money why do i have to wait 90 days to get it back. I want my {$190.00} back. A friend gave me this site so thst i can get help. He says you helped him with chime also. I dont understand how they paid that money when i only had {$13.00}. Its like they did it on purpose. Please any help would be greatly appreciated. My name is XXXX XXXX, the merchant was XXXX  XXXX XXXX XXXX XXXX XXXX in XXXX Florida. My email is XXXX and my phone number is XXXX thank you
Consumer complaint received 2020-11-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I received my XXXX  report that they have deleted from my account the negative collection report from XXXX XXXX XXXX. They keep reporting it every month. I have disputed with all three credit companies and I can not get Transunion and XXXX  to follow suit. If you look at my credit report there is no derogatory information except this company who insists on calling me, emailing me, threatening me with lawsuits, sending letters and even calling my job on a couple of occasions
Consumer complaint received 2020-08-30
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Quality Asset Recovery LLC (NJ)

I asked for a contract proving that these accounts held me contractually liable to pay them. They failed to send any information requested. they only sent a letter stating the amount owed. This in in violation of my consumer rights and the FDCPA/ Federal Rules of Civil procedure. I have contacted this company on numerous occasions requesting that they delete these false accounts. 

I know that the FCRA requires them to have proof the account is mines in order to report it to the bureau. They are reporting this false information.
Consumer complaint received 2020-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (FL)

XXXX XXXX Credit Card Account Status Account is still delinquent status XXXX   XXXX XXXX XXXX is Joint contractual liability I have asked to be deleted from this contract they have not done it yes. XXXX XXXX XXXX Consumer disputes after resolution auto. XXXX XXXX XXXX open account still payments are being made by financial counseling program still showing delinquent. XXXX XXXX XXXX is showing open debt was closed The have put this account into collection original Creditor XXXX XXXX. Wells Fargo DLR SVC XXXX XXXX this account was discharged in bankruptcy XX/XX/XXXX Consumer disputes after resolution re-affirmation of debt. XXXX XXXX Credit Card delinquencies XXXX XXXX XXXX XXXX account was delinquent 90 days account was in dispute now resolved reported by provider account was paid off XX/XX/XXXX needs to be deleted Credit Bureau dispute.
Consumer complaint received 2020-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (CO)

I had a loan for a vehicle through Credit Acceptance for a vehicle I purchased in XX/XX/XXXX. In XXXX after 20 MONTHS OF ONTIME PAYMENTS, the vehicle was stolen and when recovered was a total loss. I had full coverage insurance as well as gap insurance through the finance company on the vehicle. Once recovered, I went to XXXX impound and signed over power of attorney to the finance company so they could deliver the vehicle to the insurance company to pay the claim. Credit Acceptance NEVER DELIVERED THE VEHICLE to the insurance company and after 30 days XXXX impound crushed it and sold it. Due to never getting the vehicle delivered ( which was the responsibility of the finance company as I had signed over all power of attorney ) my insurance company did not pay the finance company. Credit Acceptance then told me I had to continue to make payments on the vehicle which I did for 1 month AFTER THE VEHICLE WAS DEEMED A TOTAL LOSS but then could not afford any longer due to having to purchase another vehicle as well as all my tools that were stolen that were in the vehicle. Credit acceptance then proceeded to attempt to sue me FOR THEIR INCOMPETENCE but the case was thrown out by the judge. In XXXX, my insurance company finally paid out Credit Acceptance but I never received ANY FORM OF REIMBURSEMENT for the taxes, plates, my tools or any of the thousands of dollars in parts I had installed prior to the theft of the vehicle and total loss. Currently Credit Acceptance shows I have 6 charge offs on my credit report which has prevented me from obtaining housing, loans and credit cards for the past 5 years as this is one of  the only accounts on my report. I had NEVER MADE A LATE PAYMENT- EVER- and yet they are still saying I was in collections over the account and refuse to change this after MULTIPLE times contacting them as well as MULTIPLE DISPUTES. Credit Acceptance has made my life a living XXXX the past 5 years and has resulted in homelessness ( even while I was working full time- I could not find an apartment due to my credit score being so low as it dropped from a XXXX to in the 400s due to this ) yet they refuse to fix anything on my account. I have the utmost contempt for this company as they have made me suffer beyond words and destroying my life is nothing but a game to them.
Consumer complaint received 2020-08-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MARINER FINANCE, LLC (GA)

I paid off the total amount due on the loan through several payments that the Mariner Finance did not report on my credit report. The company has reported -- even after I disputed their reporting through XXXX and gave them a chance to correct their information -- I have bank statements that verify I made a {$650.00} payment to Mariner Finance on XX/XX/XXXX. Then I made a payment of {$110.00} on XX/XX/XXXX. A {$100.00} payment on XX/XX/XXXX, another payment of a {$100.00} on XX/XX/XXXX, a payment of {$130.00} made on XX/XX/XXXX for a total of at least {$1000.00} of the amount paid to Mariner Finance. None of these payments have been reported or deducted from the amount that Mariner Finance claims that I owe them. 

I could not get a statement to discover how much money was left on my account to paid even though I went into their office to ask for the final statement. I was informed that they no longer had my account information available. This lack of accountability of Mariner Finance has continued for at three years of continuous negative reporting on my credit reports and is a contributor of adverse credit ratings. I could understand if I had not reached out to them and made good faith efforts to pay on this account. Even to the extent of making a payment of almost {$700.00} all at once even though I am on VA XXXX and limited income. 

I have done everything I could to settle and then correct the reporting of this debt but Mariner Finance still insists after I filed disputes against their wrong reporting that I owed {$1100.00} when they wrote it off, without reporting or deducting the amount that I paid in XXXX of {$1000.00} ( of which when added to the payments I made in XXXX. 

On XX/XX/XXXX, I made an online payment of {$130.00} to Mariner Finance. XX/XX/XXXX, I made a payment of {$81.00}. This does not include payments I made in person at the office. Still, I can prove that I at least paid {$1300.00} to Mariner Finance and that Mariner Finance still chose to send my account into charge off even after I made substantial payments to them without being given a statement of itemized charges and how much was actually owed on the account. 

I hope that some relief and assistance to be provided to me to stop the adverse actions this company insists on continuing against me.