davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I called the telephone number on the back of my Bank of America credit card. I asked the automated system to transfer to a customer service agent. The automated system said try your call again, good bye I tried several times and each time I was unable to get to an agent. I tried pressing different prompts, however, none worked. My problem is complex and the automated system wont be able to assist. Bank of America purposely makes it difficult to speak to a live agent. The Automated System said I understand you want to talk to an agent yet never transfers me. This is an Unfair, deceptive, or abusive act and practice.
Consumer complaint received 2021-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION (KY)

I gotten back my background check for XXXX XXXX. There is a XXXX  charge from Iowa in XXXX or XXXX but I've never lived no where but Kentucky and haven't been XXXX since XXXX.
Consumer complaint received 2022-07-28
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: Experian Information Solutions Inc. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I would like to file a complaint against the three bureaus regarding the negative items on my credit report. These negative items on my credit report are severely affecting me. I would like to request that these negative items be removed from my credit report and made positive. If the three bureaus do not take action, I am prepared to file a lawsuit against them and demand appropriate compensation. According to our laws, I have the right to complain and file a case against them
Consumer complaint received 2021-02-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC (CA)

My identity was used fraudulently to open a personal loan on XX/XX/XXXX with XXXX XXXX XXXX XXXX account # XXXX balance {$11000.00} This account is fraud .MY identity was used fraudulently on XX/XX/XXXX to open this fraudulent account with XXXX  XXXX XXXX account # XXXX {$3600.00} this account is fraud.My identity was used fraudulently ON XX/XX/XXXX to open this fraudulent account with SEQUIUM ASSET SOLUTIONSaccount # XXXX balance XXXX this account is fraud i never had any of these accounts they are all fraudulent.
Consumer complaint received 2022-09-26
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: Experian Information Solutions Inc. (PA)

Dispute Department Experian XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report these items has been stopping me from purchasing my home for my family. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-09-26
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. (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 15 USC 1681.

Account Name : # 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 that a consumer reporting agency can not furnish an 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 2023-04-03
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: RFNA, LP (LA)

1. Opened Account with Republic Finance on XX/XX/XXXX, Republic sent me {$2500.00}, check in the mail. APR 12.00 per cent. Paid off in 12 months. 
2. Covid-19 hit Louisiana in XX/XX/XXXX, Unable to work at XXXX XXXX XXXX XXXX and XXXX halted my new business plans to a standstill. 
3. New loan approved, renewed 2 or 3 times, loan dates were XX/XX/XXXX to XX/XX/XXXX, balance financed was {$8200.00} and total note was {$12000.00}. Noticed a change in property used as collateral, portable building was added that my XXXX owned. Suspected Fraud and mentioned to Branch Manager, he stated I needed more collateral even with a XXXX Score of XXXX. Received constant harassing collection calls. My family was bombarded with calls. 
4. Enrolled in Debt Relief Program, XXXX XXXX with Republic Finance as a creditor. XXXX XXXX, who told me I was a great customer, would not agree to be listed as a creditor. I filed a complaint to the Louisiana State Attorney General 's Office. The AG 's Office stated this was not there jurisdiction and suggested I get my own Attorney. 
5. Republic filed suit in Civil Court on XX/XX/XXXX. The Branch Manager was a no show, Republic charged the Debt off on XX/XX/XXXX. I made a Motion to Compel Arbitration from the Judge and it was granted. As of today 's date I am in Arbitration Proceedings with XXXX XXXX XXXX and Republic Finance. 

Regards, XXXX XXXX XXXX
Consumer complaint received 2021-02-02
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: TRUIST FINANCIAL CORPORATION (FL)

XXXX XXXX employee that works for Regional Acceptance keeps calling me with repeated calls every day after I tried to make payment arrangements with him on XX/XX/2021. He's even called my mother and daughter trying to locate me when he does have my phone number to get intouch with me.
Consumer complaint received 2020-09-23
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (GA)

On Mon XX/XX/XXXX XXXX XXXX, XXXX from XXXX XXXX XXXX ( a debt collection company XXXX called my brother to collect a debt from me. The Debt collector proceeded to state the last 4-digits of my SSN to my brother to verify that he was me. She agreed to being recorded and I have a recorded conversation of her stating my Personally Identifiable Information aloud over the phone which is a HIPPA violation XXXX attached ).
Consumer complaint received 2021-02-02
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Choice Recovery, Inc. (TN)

Choice Recovery services filed a notification with the credit bureaus indicated I owed a debt to XXXX XXXX XXXX  This negatively impacted by credit status by nearly 100 points. 

1. The debt was false - I did not owe XXXX XXXX XXXX. 
2. Choice recovery services refused to remove the debt from my name and update the credit bureaus, nor did the check with XXXX to verify the debt. 
3. I contacted XXXX, who verified the debt was false and was not owed to them. 
4. I contacted the Credit Bureaus and Choice Recovery rejected my dispute indicating it was still correct. 
5. I contacted XXXX again, they contacted Choice Recovery to have to the collection removed. 
6. Choice responded by saying that the debt had been paid as of XX/XX/2021 - they did not indicate that they had made a false report to the credit bureau, and my credit rating is still negatively impacted. 
7. Spoke with Choice again today, and they said the only thing they can/will do is notify that bureaus that the debt has been satisfied.
Consumer complaint received 2022-07-28
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. (MI)

I told the credit bureaus to investigate every piece of information on the accounts I have listed on the complaint. According to the FRCA the term " investigate consumer report '' or portion thereof in which information on a consumer 's character, general reputation, personal characteristics or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still reporting 100 % accurate and according to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 

XXXX XXXX XXXX Account XXXX, XXXX XXXX XXXX Account XXXX, XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX, XXXXXXXX XXXX XXXXXXXX Account Number : XXXX, XXXX XXXXXXXX XXXX Account Number : XXXX, XXXX XXXX  Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXXXXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXXXXXX Account Number : XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX
Consumer complaint received 2020-12-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I chatted and called Huntington to close my business checking account. I am currently visiting foreign countries, but they kept saying that I should visit a branch to close the account. I am not sure yet when I will be back in the U.S. I would like to close my account as soon as possible before any maintenance fee is charged.
Consumer complaint received 2021-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Global Lending Services LLC (TX)

I seen an inquire on my credit report and i did not request it. I requested removal on XX/XX/XXXX and was told it would be from company and it was not.
Consumer complaint received 2021-05-20
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. Equity Advantage Holdings, Inc. (MA)

I had purchased a XXXX XXXX XXXX from XXXX XXXX XXXX in XXXX. AT the time of purchase I enrolled with Autopay Plus for a program that, through bi-monthly payments would pay of my debt quicker. The loan company was XXXX XXXX 
XXXX weeks ago i received a notice of an outstanding debt owed to Autopay plus dating back to XX/XX/XXXX. I was set up with Autopay for automatic withdrawal bi-monthly. My transaction history shows the following : My first payment was withdrawn by autopay for the month of XX/XX/XXXX was XX/XX/XXXX. 
My second payment was withdrawn by autopay for the month of XX/XX/XXXX was XX/XX/XXXX. 
On XX/XX/XXXX the debit was reversed. 
On XX/XX/XXXX funds were disperesed to my account for a home refinance, and payoff of `the XXXX XXXX XXXX A few weeks after I received the title for the vehicle. The check for payoff to XXXX was written out and sent to by the closing attorney. As far as I knew, once I was given the title all outstanding debts were paid off. 
I never received any notification from XXXX of a missed payment until XX/XX/XXXX. 
I spoke to the loaner XXXX XXXX no issue. After much digging on my part I had a XXXX way call with my Bank XXXX bank and Autopay. During this call it was shown and stated by XXXX XXXX that neither myself or XXXX XXXX had stopped payment. They proved this by pointing out the transaction history would look different. The only conclusion is that Autopay reversed the payment whether purposely or accidently or that there was a glitch somewhere. Had I been notified in the months after of an error, I had sufficient funds to right this. XXXX years, a year of pandemic, XXXX months out of work, a new job making half the wage I made, I am strapped. I am at a loss on how the blame is solely on me.
Consumer complaint received 2021-02-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (NY)

Citibank reduces next day Institutional Transfers to ones External Accounts from XXXX to XXXX XXXX XXXX REDUCTION!! 


Dear Consumer Financial Protection Bureau, I just found out that Citibank has reduced their next day Inter Institutional Transfers to ones External Accounts have been lowered from XXXX  to XXXX} until further notice. That is a XXXX XXXX REDUCTION! This just happened recently and I believe it is due to the whole XXXX shorting saga. What this policy can do is put the individual investor behind the 8-ball because they may need to move their money into their brokerage accounts to cover their trades. Citibanks standard service takes 3-5 days that is longer than the 2-day settlement date one is given to settle their stock trades. I also ask you, What good is being able to transfer only XXXX  a day? 

These are the messages that is posted once you sign into your Citibank account : - Effective immediately, as a security measure to protect Citibank accounts, the limits for next day Inter Institutional Transfers to your External Accounts have been lowered to XXXX until further notice. You can continue using the standard service to transfer to your External Accounts for amounts greater than XXXX 


When taking to a Citibank representative, these were their responses : - We never intent to upset our customers however it is applied to secure the fraud transactions.. 

- It is to protect Citibank accounts from a heightened risk of fraud, I am sorry for any inconvenience this has caused to you - It was initially XXXX using next day service now it was lowered to XXXX whereas standard transfer is still same with limit of XXXX - As an enhanced security measure and to protect Citibank accounts from a heightened risk of fraud, the limits for next day Inter Institution Transfers were lowered. You are still able to send IIT 's with a higher amount using the standard service. 

- However this change was made to all our customers however you can still transfer through standard transfer type for XXXX per day and monthly limit is XXXX I think that this seems like something to look into.
Consumer complaint received 2022-07-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Healthcare Finance Direct LLC. (IN)

I contacted XXXX XXXX XXXX who informed me the debt was not theirs but HFD. I informed them that I had paid on time prior to me sending back the product. Two years later this shows on my credit report. There is currently an open case with XXXX XXXX to find the product I sent back two years ago. I reached out to XXXX to verify the debt but the line just rang.
Consumer complaint received 2021-09-13
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. (GA)

XXXX XXXX is reporting the account that I had with them inaccurately. XXXX is reporting that the account opened on XX/XX/XXXX which is a relatively minor issue as I read through my report I noticed that the date the account was last paid is documented as XX/XX/XXXX per their records mailed to me however on my credit report it reflects the dates XX/XX/XXXX ( TransUnion ) and XX/XX/XXXX ( XXXX ) which is another inaccuracy. The terms according to our agreement is a 72 month contract however on my credit report it states that the terms are 74 months. The worst part of this inaccurate reporting is that the balance according to their record is {$8700.00} as of XX/XX/XXXX but they are reporting a balance of {$9800.00} on my credit report. Clearly this account has some issues and needs to be audited, however, as of today I simply request that they remove the account from my credit report. I have tried to resolve this issue with the credit bureau 's in which I did not receive response.
Consumer complaint received 2022-09-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (NY)

Someone open a JPMCB credit card without my permission. Account # XXXX I disputed the account with XXXX, XXXX and XXXX credit bureaus, I also contact JPMCB I spoke a XXXX XXXX employee # XXXX in collection department. She stated the that the Identity Theft that was file XXXX was not valid do to I didn't submit a police report with the dispute. I dispute it once again on XX/XX/XXXX the credit bureaus they said they contacted the creditor and also send all the information over to them. Which included, A Identity Theft Report, a Police Report I also Fax the information to Chase Card Services fax # XXXX XXXX per XXXX XXXX employee XXXX XXXX in JPMCB collection department.
Consumer complaint received 2022-09-26
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. (PA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXXXXXX 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 2021-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: HUNTINGTON NATIONAL BANK, THE (OH)

We received a forebearance throught the CARES Act for XXXX XXXX XXXX We started paying again in XXXX, and have paid every month since. Huntington, via their Homesavers Dept. and the supervisor XXXX XXXX, asked us to submit paperwork in XXXX to have it ended and put on the back of our mortgage, which we returned XX/XX/. On XXXX XXXX our mortgage was reported delinquent. This is ILLEGAL under the CARES Act. I called, they corrected it. Then again XX/XX/XXXX, again it was corrected. Then again in XXXX, and they siad they are " behind '' and be patient- as my credit score site 140 points down. Then again XX/XX/XXXX. On XX/XX/XXXX I was told by XXXX that the paperwork was done and would be all fixed in a week. That did not happen and now she will not return calls. It is XX/XX/XXXX, still nothing. I have talked to two of her team members, who she supervisies, that tell me she will call me back, that it is her issue to fix, and nothing.
Consumer complaint received 2020-09-23
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Springer Collections Inc. (MN)

In XX/XX/XXXX XXXX with Springer Collections of XXXX XXXX, MN left a message on my home number looking for a XXXX XXXX regarding an old medical debt ( from XXXX ) for a low-income medical clinic in XXXX XXXX. My mother 's name is XXXX XXXX, and I did some investigating with the clinic as to the nature of the debt. As suspected, the clinic was looking for a different XXXX XXXX. The birthdates were way off, the social security number was wrong, and we determined that my mother had never been to that clinic. She lives some 40 miles away and is in memory care, not capable of getting to the clinoic. I spoke at length with XXXX after my investigation and she informed me that Springer would no longer be contacting me. Further, the clinic was supposed to notify Springer that they were pursuing the wrong XXXX XXXX. 

Yesterday, on XXXX XXXX at XXXX XXXX, I received another message on my home answering machine from XXXX with Springer Collections. She repeated her first message from XXXX, asking for XXXX XXXX regarding a medical debt. She did not give any indication in her message that she remembered she was calling the wrong party again.