davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (PA)

I was out of work last yr. for 3 months due to XXXX XXXX XXXX. I had a check bounce one day before my check was deposited after I went back to work and the bank did not cover this check. I was charged a bounced check fee, from the bank and also the Insurance company that it was going to. The problem I am having now is that this bank, " XXXX XXXX XXXX '' out of XXXX, Pa. took over the small bank, " XXXX XXXX '' out of the XXXX, Pa area and is charging a late fee of {$12.00} EVERY THREE days. This is outrageous, every time I have gone there to cash my check, I met other people there complaining about how they ca n't get their money out, even though they deposited cash, I too have been told that I ca n't withdrawel my Cash out for 3 days. Why? Does it take that long for them to make a few bucks on my cash deposit before I can use it myself, They have sent this to a collection company for pmt. which I have already paid the Bounced check fee, but nothing else and I do not plan to pay {$12.00} every 3 days for this
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

Re : Late Payment Dispute under the CARES Act, FCRA, and TILA Account Number : XXXX Creditor Name : XXXX XXXX  Dear CFPB, I am writing to formally file a complaint against XXXX XXXX for reporting inaccurate information related to a late payment on my credit report. This information does not reflect the protections provided under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ). 

CARES Act During the national emergency caused by the COVID-19 pandemic, I was approved for a financial relief program offered by XXXX XXXX. Under the CARES Act, my account should have been reported in a favorable status while participating in the relief program. However, my credit report shows a late payment, which violates this law.

Fair Credit Reporting Act ( FCRA ) Under the FCRA, creditors and credit reporting agencies are required to report accurate information. The incorrect reporting of a late payment on my account is unfairly damaging my credit history. I request that the CFPB investigate this inaccurate information and remove this late payment from my credit report.

Truth in Lending Act ( TILA ) Additionally, under the TILA, creditors are obligated to provide clear and accurate terms and communicate any changes to loan terms. I was not properly informed by XXXX XXXX about how the relief program would impact my credit report, which is a violation of my rights under TILA. 

Request For these reasons, I request that the CFPB investigate this matter and ensure that the inaccurately reported late payment is removed from my credit report. I am attaching relevant documentation that supports my participation in the financial relief program and demonstrates that this late payment was incorrectly reported. 

Thank you for your prompt attention to this matter. I trust that the necessary steps will be taken to rectify this situation in accordance with applicable laws. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2017-12-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (IL)

After checking my credit report I noticed National Credit Adjusters , LLC is reporting a negative account. This is not my account and is fraudulently being reported to my credit report. I immediately called them and talked to a XXXX who claimed that they account was sold to XXXX XXXX XXXX XXXX XXXX but the problem is National Credit Adjusters , LLC are the ones reporting this negative mark to the Credit Bureaus. XXXX then told me that her XXXX XXXX will look at this account and delete it as it should n't of been reporting.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

Re : Late Payment Dispute under the CARES Act, FCRA, and TILA Account Number : XXXX Creditor Name : XXXX XXXX  Dear CFPB, I am writing to formally file a complaint against XXXX XXXX  for reporting inaccurate information related to a late payment on my credit report. This information does not reflect the protections provided under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ). 

CARES Act During the national emergency caused by the COVID-19 pandemic, I was approved for a financial relief program offered by XXXX XXXX. Under the CARES Act, my account should have been reported in a favorable status while participating in the relief program. However, my credit report shows a late payment, which violates this law. 

Fair Credit Reporting Act ( FCRA ) Under the FCRA, creditors and credit reporting agencies are required to report accurate information. The incorrect reporting of a late payment on my account is unfairly damaging my credit history. I request that the CFPB investigate this inaccurate information and remove this late payment from my credit report. 

Truth in Lending Act ( TILA ) Additionally, under the TILA, creditors are obligated to provide clear and accurate terms and communicate any changes to loan terms. I was not properly informed by XXXX XXXX  about how the relief program would impact my credit report, which is a violation of my rights under TILA. 

Request For these reasons, I request that the CFPB investigate this matter and ensure that the inaccurately reported late payment is removed from my credit report. I am attaching relevant documentation that supports my participation in the financial relief program and demonstrates that this late payment was incorrectly reported. 

Thank you for your prompt attention to this matter. I trust that the necessary steps will be taken to rectify this situation in accordance with applicable laws. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2017-08-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

I have paid on my student loan, taken out for XXXX for 7 years and despite being in good standing making my payments I have paid off Negative 12 percent of my student loan. According to my calculations I have paid over {$15000.00} and I still owe more than the loan was taken out for. I have called them countless times over the years and they refuse to do anything. At times they would let me pay {$100.00} to not have to pay for 3 months but I still accumulated interest. I think I did this once or twice. I have begged them for loan payment options and was berated every time, they said because my parents co signed 2 of my 2 loans I can not lower my payment unless THEY ca n't afford the payment, even my biggest loan that I talked about above that is not co signed by anyone. How can I pay something for 7 years and be in the negatives for repayment? They have lied to me so many times and never have any help.
Consumer complaint received 2017-12-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Debt Mediation, Inc. (TX)

On XXXX XXXX, 2017 I noticed that a derogatory account was added to my XXXX and XXXX  report by an agency listed as XXXX XXXX XXXX. I am in complete shock because this company has never tried to contact me or send out any letters in regards to amounts owed and debt validation. Upon research I found that this company does not have authority to engage in debt collection in Texas without a surety bond in which I did not find on the website of the Secretary State of Texas. I ask that XXXX XXXX XXXX remove negative reporting from my credit file.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

Date : XX/XX/year> Subject : Dispute of Unauthorized Credit Inquiry Violation of FCRA 1681b, 1681n, and 1681o I am writing to formally dispute an unauthorized credit inquiry that was made XXXX XXXX XXXX on XX/XX/year>. I did not provide any authorization or consent for THEM to access my credit report, and therefore, your actions are in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b, which governs permissible purposes for accessing consumer reports.

In addition, under 15 U.S. Code 1681n and 1681o, you are liable for willfully or negligently violating the FCRA by obtaining my credit report without my authorization. As such, I demand that you : 1. Immediately remove the unauthorized inquiry from my credit report.

2. Provide me with written confirmation of the removal.

3. Refrain from accessing my credit report in the future without my explicit written consent.

4. Provide an explanation of how this unauthorized inquiry occurred and the actions you are taking to ensure this does not happen again.

Please consider this letter a formal dispute under the FCRA, and I expect your prompt response within 30 days, as required by law. Failure to resolve this matter could result in further action.
Consumer complaint received 2017-12-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Social Finance, Inc. (NY)

SoFi sends monthly mailings to potential customers telling them they are pre-chosen for loans at enticingly low rates ( 8.95 % ) based on their credit history. The word " preapproved '' is all over their emails and website when you begin to apply. Those mailings fraudulently suggest that the customer has merit advantaging them in being actually approved for loans at those rates, and instead SoFi uses an unusual, highly-selective review process that cherry-picks from those preapproved customers who apply based on the advertising of those mailings. 

This practice hurts consumers like myself who are trying to improve their credit. Potential borrowers like myself receive these mailings are enticed to apply because the offer is *apparently* too good to be true, and instead we waste a hard inquiry on our credit report. The substance of my financial position has actually improved since I first started receiving these mailings a year ago, but that had no impact on application. 
Most importantly, when I asked why my loan was denied, I was told by SoFi that it was because I had a missed payment on my credit history. However, I know the date that SoFi made the hard credit inquiry ( once I had submitted my application ), and they came back to me AFTER that Inquiry and asked me to supply more financial documentation not originally asked for in my initial application. I did so. And then they denied my application. So they already knew my Credit History had a blemish and continued to process the application. SoFi 's rep XXXX told me having a missed payment on my credit history automatically precluded me from being approved, but if that was the case, they would n't have asked me to supply additional financial documentation after SoFi was in posession of my full credit history. SoFi 's explanation does not hold up against the evidence and timeline of my application process. 

This leads me to believe SoFi has built a website to automate lending that is falsely advertising and defrauding consumers like myself. 

Received Mailings : XXXX, monthly Reviewed, Began Application : XXXX/XXXX/XXXX Received email from SoFi reaffirming I was " preapproved '' and encouraging me to complete my application : XXXX/XXXX/XXXX Submitted Application : XXXX/XXXX/XXXX Hard Credit Inquiry : XXXX/XXXX/XXXX Asked to submit additional documents to support my application : XXXX/XXXX/XXXX Application denied : XXXX/XXXX/XXXX
Consumer complaint received 2017-12-07
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: JH Portfolio Debt Equities, LLC (MD)

Submitted a dispute to XXXX confirmation # XXXX regarding the removal of XXXX inquires which they did not investigate or provide proof of the investigation. 

1. XXXX - Mortgage Department 2. XXXX XXXX Also the XXXX failed to investigate the dispute from JH Portfolio Debt Equities which shows as a debt collection account, the additional information has not yet been provided to me the consumer, I have no idea the information they used to determine how the date is correct which makes no logical sense. 

The account from XXXX XXXX is over 7 years old and is still being reported which is against the law in MD for the statue of limitations.
Consumer complaint received 2017-12-07
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: SYNCHRONY FINANCIAL (MD)

Submitted a dispute to XXXX confirmation # XXXX regarding the removal of XXXX inquires which they did not investigate or provide proof of the investigation. 

1. XXXX - Mortgage Department 2. XXXX XXXX Also the XXXX failed to investigate the dispute from XXXX XXXX XXXX XXXX which shows as a debt collection account, the additional information has not yet been provided to me the consumer, I have no idea the information they used to determine how the date is correct which makes no logical sense. 

The account from XXXX XXXX is over 7 years old and is still being reported which is against the law in MD for the statue of limitations.
Consumer complaint received 2017-09-10
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. (AZ)

Equifax has mishandled my information, did n't notify me ( I found out via social media and had to go to their poorly made response site to check for myself ), and now has cost me several hours, some money ( to freeze my credit with 4 bureaus and XXXX XXXX ) and will continue soaking my time and money to deal with paying for and unfreezing  reports as necessary in the future. 

This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 

Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.
Consumer complaint received 2017-08-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY (TX)

X/X/17 I tried to follow up with Amex to let them know I 'm trying to get my debt resolved and what I can pay. i explain to them that my business has faced a hardship and was forced to close, but i am willing to try to pay XXXX a month until the debt is resolved or i can pay remaining balance i XX/XX/XXXX. They are telling me if I do n't pay in full they will keep attacking my credit with late fees and past due payments even though i am still currently making small payments to the Closed account. I was offered 2 payment plans that were out of my budget at this time and i explained to the rep this is a closed account that i am trying to pay on i should n't be paying amounts as high as my car note to resolve this debt I 'm trying to make payments that i can follow through with and works best for me and my family cause they have to eat. so i do n't understand why they not trying to help me in my situation when I 'm trying to do the right thing and pay the debt.
Consumer complaint received 2017-12-30
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. (FL)

transunion reported 28 % credit usage and dropped ficos score from XXXX to XXXX, my credit usage is 12 %, i trans funds to my discover card at a special rate leaving XXXX balance, they added both together saying i owed XXXX when it is XXXX, this caused a denial of an account i applied for.
Consumer complaint received 2017-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (IN)

US BANK AND XXXX ARE FALSELY REPORTING THIS AUTO LOAN AS OPEN, THIS ACCOUNT PAID IN FULL/SETTLEMENT, CLOSED AND TRANSFER TO XXXX. 

UPDATE OR DELETE FROM ALL REPORTS OR BE SUED SEE ATTACHED LAW SUIT.
Consumer complaint received 2017-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I sent a letter to Equifax on XX/XX/2017 disputing negative items reporting against my credit profile and Equifax has failed to respond to my dispute letter. I received responses from both XXXX and XXXX  but Equifax did n't reply within 30 days or even reply at all and nothing has been removed as a result of my request.
Consumer complaint received 2017-12-30
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. (NC)

In XX/XX/XXXX I got behind in my payments, but was never put up for repossession. In fact I have had the car for 2 years making my payments and I was never up for repossession. I early XX/XX/XXXX I went online to make the payments to get back on track and discovered I no longer had an account. I contacted the company and they informed me that my account had been charged off on XX/XX/XXXX. No being a business guy I only assume they did this because the company had changed names and they wanted to get rid of " bad debt '' under the old company  name. This is a nationwide company I am speaking of. The company is XXXX formerly XXXX. I received no correspondence from them regarding the charge off. No a letter, email, or phone call. So here were the terms of what they offered me. I could pay the past due amount and then make monthly payments and keep the car till it was paid off. Yet, on my credit report it would show as an account closed and a charge off. Which in turn no shows up as a repo and a past due balance of almost {$7000.00} which is not the case! I have made every payment on the vehicle and still have it in my possession. They also refused to provide me with any paperwork about the new agreement. They have refused to budge on the credit report issue and stated that even when the car is paid off they will not change it and it will still be listed as a charge off.
Consumer complaint received 2017-12-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I have been trying to open a new bank account for almost two years now. I keep getting denied. The issue happen in XXXX 2015 my bank account was compromise by a scammer. I reported the issue to bank of america. I wrote a handwritten letter and went to visit the bank in person also and made a report. I received my XXXX XXXX report and it says that bank of america reported me for fraud activity. So I assume that that 's the reason I cant get a bank account. Am not sure why they are blaming me for the incident. When I clearly reported it soon as it happen. So am trying to see how can I resolve this matter and get this remove so I can open up a bank account. Please help me.
Consumer complaint received 2017-05-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I had made a cash deposit at a Bank of America ATM using my Bank of America debit card. This cash deposit amount was  XXXX  on  XXXX / XXXX /  XXXX  . I was depositing this cash to my Bank of America checking account. I immediately noticed there was an error with the transaction only after inserting my cash into the ATM. I had been given no opportunity to cancel and/or confirm the cash deposit amount of {$460.00}. Instead, my debit card had immediately been ejected along with a receipt showing incorrect transaction information. The amount on this receipt was {$17.00}. Clearly something went horribly wrong. I notified the bank and filed a claim immediately. I was told by a representive of Bank of America who was reviewing my claim that the ATM had indeed been experiencing hardware issues and was in fact malfunctioning on   XXXX    . However they would not admit any responsibility. They would not acknowledge the possibility that this " malfunctioning '' Bank of America ATM had malfunctioned when it erroneously calculated my cash deposit of {$460.00} for the incorrect amount of {$17.00} on  XX/XX/17   . I attempted to resolve within the financial institution having complete confidence knowing I am the victim and that they would honestly investigate this transaction and return the cash. Bank of America would not correct this ATM transaction at all and the customer service representatives handling the claim would treat me horribly when speaking over the phone.
Consumer complaint received 2017-12-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Francy Law Firm, P.C. (CO)

The language on the XXXX XXXX XXXX is threatening. It states in part "a bench warrant "will" be issued for your arrest" which was highlighted in yellow marker. I cannot believe that XXXX XXXX XXXX Attorneys allow their collection attorney to use this kind of threatening language as a scare tactic to make someone pay considering the FDCPA "least sophisticated consumer" language should apply. This is a classic definition of a "least sophisticated consumer" This was originally a $XXXX  CC for an XXXX yr old kid when she opened her bank account. The debt now states she owes$XXXX.   She had tried to work out payment arrangements with XXXX XXXX. And was successful in making some of the payments but school, and job constraints made it difficult to keep current. This complaint is against BOTH XXXX  and FRANCY LAW FIRM XXXX XXXX XXXX Atty Reg# XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, CO XXXX  phone # XXXX- Case#XXXX There is scheduled for appearance hearing XXXXXX18.- Law Firms, Banks, Credit Union, et.,al. should not be allowed to use this or any kind of language that threatens a person with incarceration because of a money debt. This language caused a serious physical and emotional stress in XXXX XXXX because although she has a fulltime job she does not make enough money nor does she have the money in saved to pay the debt and she was fearful of going jail.  This scared her to death and know one should be scared that their freedom is going to be taken away because they have the inability to pay a debt.