davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-24
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I wanted to close XXXX Bank of America IRAs ( with all funds in a money market account ) and transfer the funds to a XXXX account. According to XXXX, rather than a notarized signature, Bank of America required a " medallion signature guarantee '' in order to transfer the funds. As I understand it, this is a specialized service that should only be required for complicated securities transactions. However, Bank of America requires it for all IRA transactions, even though in my case the entire balance was held in a money market fund. Moreover, Bank of America does not provide this service at its own branches. Some other banks do offer this service, but only to their own retail customers. Luckily, after an afternoon of trying every bank in town, the bank that owns our mortgage agreed to provide the " medallion signature guarantee. '' This seems like an unnecessary barrier erected by Bank of America that makes it harder for customers to leave.
Consumer complaint received 2024-11-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I VIEW MY ONLINE CREDIT REPORT OFTEN, I NOTICED AN INQUIRY FROM XXXX XXXX, THE INQUIRY WAS PUT ON MY CREDIT REPORT XXXX..THE CREDIT BUREAUS DONT HAVE NO ACCOUNT ASSOCIATED WITH THIS INQUIRY, AND IT IS NOT MINE, I DONT HAVE ANY OPEN LOANS ON MY ACCOUNT, ... NO OPEN ACCOUNTS ASSOCIATED WITH THIS COMPANY ... IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT.THE LISTED ACCOUNT BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIAITLY UNDER 15 U.S.C. 1681.

15 U.S.C. 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY.

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.
I TOLD XXXX AND TRANSUNION TO REINVESTIGATE THIS ACCOUNT ..REPORT # XXXX XXXX XXXX..HOWEVER THEY STATED EVERYTHING WAS COMPLETE AND ACCURATE.BUT HOW IS THAT POSSIBLE IF THE OPEN DATE DATE OF LAST ACTIVITY AND MUCH MORE IS INCORRECT.UPDATE WAS XX/XX/XXXX XXXX..ACCORDING TO 15 U.S.C. 1681 1 i ( 5 ) they are suppose to modify accounts that arent reporting correctly.
Consumer complaint received 2017-04-18
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Avant Credit Corporation (WI)

Twice they have reported missed payments to my credit bureaus, I still have n't gotten the first inaccurate info removed and now they have done it again. I have proof that this loan has been paid monthly with no missed payments. I have also been unable to get them to give me a written statement showing what I have paid and what is still owed on the loan.
Consumer complaint received 2017-04-19
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Atlantic Credit & Finance, Inc. (NJ)

Atlantic Credit &amp; Finance has be en calling my employer in an attempt to collect a debt. When I spoke with them and informed them that this was not an appropriate number to call. I asked what company they were calling from and a phone number so I can call them back on a private line. They refused to answer and give me any information. After about  5-10  minutes of the man aggressively talking over me, interrupting me and threatening legal action, he told me the company name,  Atlantic Credit &amp; Finance,  but the man on the phone would not give me his name or a phone number. I had mailed a letter requesting verification a few weeks ago and had n't received anything back. In the letter I specifically requested that all communication be done through mail.
Consumer complaint received 2024-10-07
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. (MT)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2017-04-18
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XXXX   XXXX   XXXX  has a statement on my report that I had tried to commit a crime with a bank account that I never used. I want this statement removed from my files. As they can see the bank that " they '' stated gave them the information, has cleared me from their system. I believe that this defamation of character and it need to be removed immediately before I seek legal advise. I 've never had or will try to defraud a  US ban king system. I 'm a good citizen with no arrests and my record is very clean. I am  XXXX  and have been   XXXX   over 20 years. I 've recently read tha t Bank of America a nd   XXXX   XXXX   XXXX   is targeting  African Americans b y putting a fraud statement in their Systems which prevent them from opening accounts. This is not fair or right.
Consumer complaint received 2018-10-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C. (CA)

I have disputed with them them over and over via the credit unions. they continue to come back verified I call the number available on my credit report the recording says number not available. I went on line to get a fax number when i fax them a recording says not available I sent them a email with no response. 
i am a victim of identity thief either send me a contract i signed or delete. 
IF THEY CAN VALIDATE THE DEBT THEY CAN ANSWER THE PHONE Here is the email I sent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX Account as it appears on my credit report XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Georgia XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fax XXXX XXXX XXXX XXXX Dear credit representative, I am disputing the account stated above. Previously I disputed this account information as being inaccurate you responded by stating the you were able to verify this debt. So it stayed on my credit report however I have yet to see an original contract or any proof this is mine. 
The fair credit reporting act requires you verify the validity of this within 30 days at the Time if it can not be verified you are obligated by law to remove it from my credit file I urge you to remove it before I am forced into legal action. 


CFPB, XXXX and all 3 credit bureau will be receiving a copy of this letter. 



In the event you can not verify this debt I request you remove it. If you continue to report this on my credit I will find it necessary to sue you for actual damages and declaratory relief. According to FCRA regulations I may Sue you and any qualified for state or federal court including small claims court in my area. 


I look forward to a swift and amicable resolution to this matter sincerely XXXX XXXX
Consumer complaint received 2018-10-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (AZ)

I recently thought I wanted to consolidate my loans. On the same day I submitted the request I called to inquire about a step in the process, at which time I was informed it would NOT be in my best interest. I spoke with two people that day, both of which said the request wouldn't go through if I stopped at this point. One even said that if it does go through, just call and they will reverse it. 

Well the request went through and when I called they said they will not reverse the consolidation. The woman I spoke with just kept saying, " heh sorry about the miscommunication ''. Now I have a loan repayment not in my best interest and lost a year of my public service forgiveness. To make it worse the interest rate is higher than other companies that offer consolidation.
Consumer complaint received 2018-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Was shopping for refinance loan on my home, XXXX XXXX  informed me that any inquiry would not be a hard inquiry yet they pulled a hard inquiry twice in the month of XX/XX/2017, and XX/XX/2017 using Institution Information company XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Consumer complaint received 2024-10-07
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. (NC)

I filed a complaint with the XXXX major credit bureaus regarding inaccurate items on my credit report. They have ignored my complaint and are accusing me of using a third party to file it. This is not true, as I submitted the complaint myself. Attached are some letters and a copy of my ID for your review. If they continue to ignore my complaint, I will file a lawsuit against them and seek compensation for the damages they have caused.
Consumer complaint received 2017-04-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (CO)

My student loan servicer is  Navient . I have submitted all appropriate documentation for ym income based re-payment plan since my graduation in   XXXX   XXXX  . I have submitted twice and spoke with several different people since this time. I am receiving emails stating there are documents in my inbox on their website but can not find any documents. I have brought this issue up and the representative pushes the issue aside and never address it. As of today  X/XX/XX  I have not been approved, denied, or placed on any kind of repayment plan. I keep having to forbearance my loans or make partial payments. I feel that I am stuck and helpless in trying to pay back my student loans. I am trying to repay my loans but  Navient is  not helping or working with me to resolve. I feel whats in the best interest of the customer/student repaying is not a priority.
Consumer complaint received 2018-10-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I need to update my file there are several variations on my name is XXXX XXXX, please remove my employer is XXXX I have had some issues with someone using my personal information. I have unknown or fraudulent addresses on my credit report that are not mine. I need the following addresses deleted or removed : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Please remove the following phone they are not mine : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2018-08-24
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

On XX/XX/2018 I submitted a dispute to all 3 major Credit Bureaus Agencies in regards to identity theft. I have yet to have my dispute resolve or any feedback regarding this matter and its exceeded 60 days.
Consumer complaint received 2018-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Since XX/XX/2016, I have made several complaints to CFPB and XXXX about 2 Capital One cards showing up on my credit. Capital one even took me to court over the accounts and could not prove the accounts were mine. We went to court twice, the cases were both dismissed after the second court date. These accounts need to be removed from collections AND my credit.
Consumer complaint received 2017-04-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated committed crime not paying
Company: Early Warning Services, LLC (FL)

Early Warning Systems ha s a statement on my report that I had tried to commit a crime with a bank account that I never used. I want this statement removed from my files. As they can see the bank that " they '' stated gave them the information, has cleared me from their system. I believe that this defamation of character and it need to be removed immediately before I seek legal advise. I 've never had or will try to defraud a  US banki ng system. I 'm a good citizen with no arrests and my record is very clean. I am teacher and have been teaching over 20 years. I 've recently read that  XXXX   XXXX   XXXX  and Early Warning Systems are targeting  XXXX   XXXX  by putting a fraud statement in their Systems which prevent them from opening accounts or joining a bank. This is not fair or right.
Consumer complaint received 2016-08-23
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

I leased a vehicle in XXXX from XXXX XXXX in XXXX XXXX, California at the full amount of {$29000.00}. My payments were {$450.00}. XXXX a month. In XXXX I decided that I was going to purchase the vehicle because the repair/service department was saying that I was using up my mileage ( line XXXX on original contract of lease ). I met with a dealer who signed me up on a new contract to buy. The new contract dated XXXX now lists the car at a higher price {$32000.00}. This is after it 's used by me since XXXX. They do n't charge interest on a leased vehicle. It 's a rent charge but should n't the car be valued at the XXXX XXXX XXXX not a new vehicle price?
Consumer complaint received 2017-04-18
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: STONEGATE MORTGAGE CORPORATION (OH)

I have had an ongoing issues wi th Stonegate Mort gage. In the fall of   XXXX   we fell on som e hard times and we ( me and my wife ) got behind on the mortgage payment. We were only one month behind but kept receiving bills stating that we were two and three months behind. Stonegate would n't accept a partial payment they wanted the entire three months payment even though we were only one month behind. Due to this circumstance, my mortgage went into to foreclosure. For five months I tr ied to get the correct balance to bring my mortgage current to no avail. So I withdrew  XXXX  from my mutual fund to bring my mortgage out of foreclosure. I called for  two months trying to get the correct balance to bring my account current. Stonegate sent me two  statements  one  for  XXXX  the other for  XXXX . I paid the higher balance because of  Stonegate 's history of shotty record keeping. After receiving a payment my next statement indicated that I only owed {$320.00} for that month 's mortgage payment because I overpaid when bringing my account out of foreclosure. Two w eeks later I receive another statement indicating that I am responsible for the full payment. I immediately called customer service to address this discrepancy but no one has given me an acceptable answer. I asked for the an itemized bill that shows how my payments were dispersed after bringing my account out of foreclosure. I still waiting 5 months later and in that time it has been shear  XXXX . Negative reporting when payments are made on time, discrepancies in payments remain an issue, and uneducated employees when ca n't answer a question.
Consumer complaint received 2018-10-29
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: AMERICAN EXPRESS COMPANY (OK)

I was receiving offers from Amex ( physical snail mail and tons of email offers ) to sign up for a pay over time feature on my card, and receive XXXX membership rewards points. I signed up around the end of XXXX, and received my confirmation email that I was enrolled on XX/XX/XXXX. In the offer, it said the points would be deposited within 8 to 12 weeks. I web chatted with Amex 3 times, when it seemed the points were taking a while to arrive. Once was either 5 or 6 weeks ago, the other time was 3 or 4 weeks ago, and the other time was today. The first chat, they said they would escalate the issue to be investigated. The second time, the associate said they could see the previous chat history and that the issue had been escalated to investigation, but there was no outcome yet. 

Today I got on to do the web chat and was told that the investigation was concluded and that it was denied because there was no such offer on my account. I was never notified of the outcome of this investigation till I asked by myself, today. I received physical advertisements in the mail for this offer, and still have the emails in my inbox. Why I am being told there is no such offer on my account is unclear to me.
Consumer complaint received 2016-08-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Systems,Inc. (AZ)

This debt was incurred by my ex-husband by living in an apartment where we both lived when we were together. The debt is only in my name shared with a previous roommate 's. I have supporting evidence that my ex and I were legally separated when this debt was incurred. 

When going to visit the property management company, I was told to leave the office because they could n't help me. I was embarrassed and treated very poorly. This debt does not belong to me and they did not give me a chance to resolve this with them. Instead, it was sent to collections under my name instead of my ex-husband 's. 

I lived in this apartment with another roommate before my then-husband moved in with me. My roommate moved out at the same time. Now her ( ex-roommate ) and I are being charged each for the FULL amount instead of half each. We also each received an offer for resolution claiming we only have to pay 50 % of the debt. But if we were to accept it, we 'd still be paying the full amount together. The property management company is completely unprofessional and dishonest.
Consumer complaint received 2016-08-24
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: U.S. BANCORP (NJ)

I have a car lease loan with US Bank and I was told by the XXXX dealer that I got the car from that I would get a " pull-ahead '' discount on my vehicle and also up to {$2000.00} in credits towards a new vehicle, which my current vehicle is due to be handed in in XXXX. I have not gotten a " pull-ahead '' or any discounts or credits from US Bank. Normally, these " pull-aheads '' and discounts take place 3-4 months prior to the expiration date of lease loan. Apparently, the " pull-aheads '' are NOT from XXXX but rather from the loan company. Some people get it and some do not. Since this is a federally regulated bank, this would be considered discrimination. Please investigate. Thank you.
Consumer complaint received 2016-08-24
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO. (WI)

Several years ago I accepted a fixed rate for " life of the loan '' on a credit card issued by Washington Mutual. The rate was 3.99 % for several thousand dollars. 
The account was sold to JPMorgan Chase. They bumped the rate to 28.99 % for no reason. There has never been a late pay nor any derogatory action on my part. I called Chase and asked to speak to a manager. I wanted to know where it was written that if the account was sold my interest rate could change. She did n't know, neither would she help me. They could not produce a document I signed or agreed to permitting that interest change on sale of the account. 
I still owe about a {$1000.00}. years later. I was hoping your agency could help me retrieve the excess interest I have paid over the years. I was fortunate to have to money to pay, but this put many others into bankruptcy after Washington Mutual sold to Chase.
Consumer complaint received 2017-04-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

There are  XXXX  accounts currently in collection with this agency, the first is for {$750.00}, which the company indicates was opened   XXXX     The second is for {$1000.00}, which my credit report shows was opened   XXXX     Both of these accounts have been re-aged, and are reporting misinformation on my credit report, which according to the FCRA is illegal.   The dates provided, I can only assume are the dates that these accounts were purchased by   Portfolio Recovery, rather than the original dates that they went into default.
I would like these collection accounts removed from my credit report immediately and any and all derogatory marks removed, as it is effecting and will continue to unfairly effect my credit ratin  g.
Consumer complaint received 2017-04-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: CITIBANK, N.A. (CT)

I hope this email finds you well. I am hoping you can help me or point me in the right direction. I am asking Citibank to help me remove the XX/XX/XXXX delinquency on my credit report with all three credit agencies. I feel that I have been a victim of an unfortunate situation that has cost me dearly. I have been a Citibank customer since I XXXX  college in XX/XX/XXXX. I still have an existing Citibank credit card. It started in XX/XX/XXXX when I walked into a branch to close my Checking Plus account. Something happened where the account was never actually closed. I had no idea an account remained opened until I had my mortgage banker check my credit as my family and I was about to put a bid on a new home. In the time it took for me to research exactly which account was showing a balance on my credit report, and to my surprise, I was charged with a 30 day late payment delinquency. Furthermore, I had accrued well over {$1000.00} in fees that I truly had no idea about. There is so much more to this story, and if you take the time to look at my history, you will find that something is just not right here. I have since paid my account in full, and all I ask is that considering the circumstances, that you could help me remove the delinquency from the three credit bureaus to help put this nightmare behind me. I do not feel that it truly represents my ability and willingness to pay my debts and has cost me a huge amount of trouble and a home that we missed out on buying. I have written letters to Citibank and to all three credit agencies. The conclusion I have found is that only Citibank can remove this. I have called Citibank numerous times, spent hours on the phone, have gone to the branch in which the account was closed, and even have been emailing with that branch manager ( see email chain below ). I feel like I am at a dead end and this has become my last resort. Please help me. Thank you XXXX XXXX