davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On  XXXX   XXXX ,  2017  ( overnight ), Check #  XXXX  in the amount of {$59.00} was processed through Bank of America  (  my checking account ). In RETALIATION TO MY PREVIOUS COMPLAINT against BOA, the bank is charging {$35.00} in fee 's because my BOA account was short of {$5.00}. I AM DISPUTING, BOA fee 's assessed in the amount of {$35.00} for Check #  XXXX . Today is  XXXX   XXXX ,  2017 , I have until  XXXX  today, to deposit the shortage of {$5.00} into my account. And, I am also DISPUTING , BOA 's  REFUSAL, to REFUND my {$70.00} for fee 's erroneously assessed to my checking account for the following check # 's on  XXXX   XXXX ,  2017  : Check # :  XXXX  in the amount of {$62.00} ; and Check # :  XXXX  in the amount of {$55.00}. I deposited the shortage of monies for these check 's in my checking account before  XXXX  on  XXXX   XXXX ,  2017 . How ever, BOA repre sentative REFUSED to acknowledge my deposited monies before  XXXX  on  XXXX   XXXX ,  2017 . I have my deposit sli p ( s ) to sho w that the necessary monies was deposited prior to the  XXXX  cut off. I am a VERY DISSATISFIED CUSTOMER for the ongoing practiced RETALIATION by Bank of America. I am requesting, ALL of my monies back for improperly assessed fee 's charged.   XXXX   @  XXXX .
Consumer complaint received 2017-06-13
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. (NM)

In  XXXX  of  XXXX  I pulled my credit report and found t hat Dept. of  Education/ XXXX  was reporting my account as 90 days pat due in  XXXX . This is inaccurate- even on their own page it shows I only did not pay 1 month and that was deferred  while my income based repayment plan application processed. On the Credit reports it shows the month prior to that month the account is in good standing and the month after is in good standing as well. I first sent a good will letter requesting the information be correctly updated- sent return receipt request via USPS . That was followed up by being informed to log into my account and dispute the information. I did as was asked and approximately 45 days later was notified that the information will be remaining the same, when I called in I was told that they do not report 30 or 60 days late payment and all late payments are reflected as 90 days past due. I stated this wa s unfair and the customer service representative apologized and restated that the information would be remaining the same.   I then contacted the  XXXX  credit bureaus and request the information on the late payment be removed as it was incorrect and sent in the letter to  XXXX .  XXXX  sent notification that they saw this and removed the late payment.   XXXX   and Equifax declined removal and stated the information would remain on my report as their " investigation '' found it to be accurate- even with proof off their own reports showing the month prior to the " 90 day month '' showing account in good standing and the month after showing paid.
Consumer complaint received 2017-06-13
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: EQUIFAX, INC. (DC)

In  XXXX   XXXX , I noticed a collection account on all three of my credit reports. The tradeline was for a telecom account at an address in a state I do n't live in. I contacted the company and discovered the account was indeed attached to my name and social security number, but I never opened this account.     In fact, when the account entered delinquent status, I was currently in a contract with the same telecom company but in  XXXX  -- my place of residence. I filed disputes with Equifax,  XXXX  and  XXXX  and included my current  XXXX  contract and government issued ID. Both of these documents provided proof of address and length of residency.       XXXX   and  XXXX  immediately removed the account, b ut two ye ars later, I am still battling with Equifax. I tried again in  XXXX  of  XXXX  and  XXXX   XXXX . Each time Equifax claims they have determined the account belongs to me. I am now fully convinced that they simply matched my name and social as " verification '' and that was as far as the investigation went. They never explain how they came to that conclusion or why they believe I should be held liable for an account in my name that I did not open.     Thank you so much for all the hard work you folks at the CFPB do on behalf of all Americans. You guys are fighting the good fight!
Consumer complaint received 2017-07-07
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: EQUIFAX, INC. (NY)

There are inquiries on my credit file that I did not authorize. I 've written and mailed out a letter stating to remove unauthorized inquiries on my credit files and sent this through certified mail to ensure delivery. I do not recognize nor did I authorize the inquiries listed in the letter that I sent to the credit bureaus. The bureaus received a detailed copy of my letter with identification.
Consumer complaint received 2017-06-13
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. (MA)

I obtained an educational loan through  XXXX   XXXX   XXXX   XXXX  (   XXXX   ) in  XXXX . The loan was administered by  XXXX   XXXX .     Following my retirement at the end of  XXXX   XXXX , I received only one bill from  XXXX   XXXX , for  XXXX   XXXX . I received no more bills from them thereafter, believing the loan to be paid off after 4 years. In  XXXX  of  XXXX , I discovered that  XXXX   XXXX  had submitted negative remarks to my credit records. I contacted  XXXX    XXXX   and arranged to bring the account up to date, which I did immediately.  XXXX   XXXX  claimed their bills were returned, and phone calls unanswered. However, I had not changed my address during the prior 21 years, and received no phone calls or messages from them. In addition, a test letter generated by  XXXX    XXXX   reached me successfully.  XXXX    XXXX   agreed to correct my credit records, acknowledging that  XXXX   XXXX  had caused the delays in payment by not providing timely billing.     Since that time, I have had my credit record cleared with other agencies.  XXXX   XXXX  claims they have contacted TransUnion multiple times ( see attached ), but no correction has been made.     I paid off the loan in full in  XXXX   XXXX , after receiving a report from TransUnion showing no adverse reports.     On  XXXX   XXXX ,  XXXX , I received a notification of my  XXXX  score from a loan application, and accessed my credit report from TransUnion due to the lower than expected score. The report is again showing the adverse report from the educational loan.      XXXX    XXXX   and I have exhausted our ability to clear this record.
Consumer complaint received 2017-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I have been paying for USAA 's ID Theft & Monitoring Solution Services for several years now. A year ago I suffered identity theft and credit card fraud. I contacted USAA immediately and they. While slow in reacting and requiring intervention by the CEO 's office, as USAA repeatedly re-entered the same fraud claim multiple times, they issued credits for the fraudulent charges. A year later USAA reversed the billing dispute against regulation Z of the consumer protection laws billing dispute time frame and without actually truly investigating the fraudulent charges, relying on circumstantial evidence. <P/>This complaint however is in regards to the paid theft fraud assistance resolution and paid identity theft insurance policy provided with this paid service. In contacting the dedicated fraud resolution expert, they offered no assistance at all. Not even in helping to finish removing fraudulent hard pulls on my credit reports. <P/>Furthermore, despite paying for the service I am unable to view or access the majority of services that come with my subscription. USAA restricted my access and has continued charging me. I am unable to view any alerts, including monitoring alerts, any of my credit scores, internet scans, or reports. <P/>Lastly, when I inquired as to how to access and file a claim with the Identity Theft Insurance policy that comes with this subscription, I was told they were n't sure and given no further information.
Consumer complaint received 2017-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

Report shows XXXX hard inquiries where only two are valid. ( does not show on XXXX ) XXXX XXXX twice in a week due to their own error losing my account information. Should be ONE valid inquiry only. <P/>XXXX XXXX shows two inquiries on same day for same service. A duplication that should appear as only ONE valid inquiry. <P/>XXXX appears even though I never applied to XXXX for any services. Invalid inquiry either mistake or fraud.
Consumer complaint received 2017-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (DC)

I have contacted CFPB a number of times.Regarding inaccurate information being reported to all 3 Credit Bureaus ( XXXX, XXXX, Experian ) .The CFPB is supposed to protect me the consumer.When receiving a complaint from a consumer.The furnisher has to show verification, and validation. To back up there accurate account of disputes. A violation of the FCRA occurs under section 623 ( a ) ( 1 ) if it is shown that a party reported information what was knowingly inaccurate.In any dispute, the furnisher of the information can either verify the accuracy of what they have reported, or correct the inaccuracy should they agree that it is currently inaccurate. To the extent that the CRA considers a response to a dispute to be a date of last activity, that is not a substantive issue, and not a violation of the FCRA.
Consumer complaint received 2017-06-13
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MISSION FINANCIAL SERVICES CORPORATION (NV)

Mission Financial keeps upd ating my credit report with different new amounts from what the debt actually is and the last balance that was due to them in     XXXX  w as {$2100.00} now it has impacted my credit report that this company keeps updating these ridiculous amounts and they keep updating with  XXXX  accounts on my credit file and I tried disputing this   XXXX   times with the credit bureaus (  XXXX   &  XXXX  ) a nd to no avail has anything changed so I am attaching what they are reporting twice on both credit bureaus and also this debt is ove r 7 years old a nd I can not understand why do they keep updating my credit profile and changing the amount due. I have attached and updated reports of this action.
Consumer complaint received 2017-07-07
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: EQUIFAX, INC. (NY)

It was reported on my credit reports that I was late 60-90 days late on my student loan # XXXX with XXXX XXXX XXXX XXXX XX/XX/XXXX-XX/XX/XXXX. I applied for a forbearance due to XXXX and out of work for 3 months which was approved by XXXX until XX/XX/XXXX. I sent XXXX an inquiry as to why they reported to the credit bureaus that I was late and they sent me a letter stating that they did not report any late payments to the credit bureaus. I demand this account be removed from all 3 of my credit reports
Consumer complaint received 2018-04-17
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: TD BANK US HOLDING COMPANY (NY)

i am writing today in hopes to obtain your help i am reviewing my credit trying to lower my balances studding credit scores and working towers better credit. 
i am trying to obtain a loan and you play a big role in this process of obtaining a loan and what rate i will be paying. 
i reviewed my credit and i was shocked to see that you are reporting me 30 days late on XX/XX/2017 i dont remember being late i am not that person to be late at all the only thing i can think of is that my statement was dropped in the wrong mail box it sometimes happens that my mail gets delivered to my neighbor.
Consumer complaint received 2017-06-13
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY (CA)

I purchased a camp stove at  XXXX  on  XXXX / XXXX / 2017 . It was n't working correctly so I returned it on  XXXX / XXXX / 2017 . I should have received my refund on  XXXX / XXXX / 2017 . It showed on my account as expected on  XXXX / XXXX / 2017  but then was immediately suspended under some type of internal review. ( see attached image ). I calle d AMEX Bluebird to inquire about the hold and was told it may take up to 7 days to release. This is due to an internal fraud protection that has to do with an issue between AMEX and the merchant and not the consumer. I expected access to my funds without delay. Their actions have caused me to be unable to purchase food.
Consumer complaint received 2017-07-07
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: AES/PHEAA (NY)

It was reported on my credit reports that I was late 60-90 days late on my student loan # XXXX with AES XXXX XXXX XXXX XX/XX/XXXX-XX/XX/XXXX. I applied for a forbearance due to XXXX and out of work for 3 months which was approved by AES until XX/XX/XXXX. I sent AES an inquiry as to why they reported to the credit bureaus that I was late and they sent me a letter stating that they did not report any late payments to the credit bureaus. I demand this account be removed from all 3 of my credit reports
Consumer complaint received 2017-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

Report shows XXXX hard inquiries where only XXXX are valid. ( does not show on XXXX ) XXXX XXXX XXXX in a week due to their own error losing my account information. Should be XXXX valid inquiry only. <P/>XXXX XXXX shows XXXX inquiries on same day for same service. A duplication that should appear as only XXXX valid inquiry. <P/>XXXX appears even though I never applied to XXXX for any services. Invalid inquiry either mistake or fraud.
Consumer complaint received 2017-06-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On XXXX XXXX, 2017 I stopped by the XXXX XXXX XXXX branch located at the XXXX XXXX XXXX off XXXX XXXX of the State of Maryland to open a New Account. Unfortunately, I could not open the account because of some issues they claimed that I have with the Bank of America five years ago. I will like your intervention to know what the issue with the BOA after almost five years preventing me of opening a New Bank Account with XXXX XXXX and any other banks. Thank you for your anticipated assistance. Yours truly, XXXX XXXX XXXX
Consumer complaint received 2017-07-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I opened a Capital 360 account on the premises that I would receive a {$400.00} bonus. I called two times to ensure I qualified for the deposit, and each time I was told yes as long as I get my two {$250.00} direct deposits. I switched over my direct deposit to this company just on this reason. Now when I get both qualifying deposits, I am being told I will not get the bonus. This is deceptive practices because twice, representatives from Capital One assured me I would get the deposit. Now, a supervisor told me to XXXX and provide the link where i got the promotion code. Why is that burden being put on me? I do not remember where the code is and the code expired as ofXX/XX/XXXX. There is no way I can obtain this information! I will like the {$400.00} bonus that i put the XXXX code in for and was guaranteed to get by both representatives I spoke with.
Consumer complaint received 2017-07-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

Fair Collections & Outsourcing Inc. advised me that they do not delete debts and I understand that I did not sign a contract with them for this debt that was owed to XXXX XXXX XXXX XXXX account XXXX. This debt was settled and paid, but has been causing my credit score to be low. I was not aware of my consumer rights for accounts that were sold to debt collection agencies. Since I did n't have a contract signed with Fair Collections & Outsourcing, this debt should not be reported because I also have no payment history established with them. I would like this to be deleted from XXXX and XXXX. The date this was recorded as paid was XXXX/XXXX/2015.
Consumer complaint received 2017-07-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

Fair Collections & Outsourcing Inc. advised me that they do not delete debts and I understand that I did not sign a contract with them for this debt that was owed to XXXX XXXX XXXX. This debt was settled and paid, but has been causing my credit score to be low. I was not aware of my consumer rights for accounts that were sold to debt collection agencies. Since I did n't have a contract signed with Fair Collections & Outsourcing, this debt should not be reported because I also have no payment history established with them. I would like this to be deleted from XXXX and XXXX. The date this was recorded as paid was XXXX/XXXX/2015.
Consumer complaint received 2017-07-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: BB&T CORPORATION (NJ)

I am writing to state that this company is in violation of the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate information on my credit reports with XXXX, XXXX and XXXX. The inaccurate information that is clearly different on all three credit bureaus. They are supposed to report the same information on all three credit bureaus, this is causing me to get denied for credit and if not deleted from my credit will consult with an attorney who specializes in FCRA violations. Account Number : XXXX XXXX XXXX XXXX XXXX XXXX High Credit : XXXX  {$16000.00} XXXX {$20000.00} XXXX {$20000.00} Last Reported : XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX Date of Last Active : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Date of Last Payment : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX Also , this is clear evidence that they are not reporting accurate information per XXXX XXXX  guidelines set forth by the XXXX.
Consumer complaint received 2017-07-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

To whom it may concern, I have been going through so much XXXX due to my home being in foreclosure. I have made several attempts to be approved for a modification and they dont want to provide me with home retention options. This has been going on for three years, and they have not offered me in this time a workout plan, not even a repayment plan. I keep falling further behind, and the debt keeps growing. In the last denial they stated the following " after careful review of your account, we find that there are no home retention loss mitigation options for which you are approved '' they keep offering me to do a short sale or a deed in lieu. Last year I was hoping to get approved for a HAMP modification but that did not happen, they kept saying that the investor keeps denying loss mitigation options based on a business decision. They also keep saying my income is not enough. My gross income is almost {$7000.00} and it has been like this for years, I have a big surplus at the end of the each month, so I am saving money. I have an arm loan with a 7 % rate, and my mortgage payment was almost $ 3k. I fell behind due to loss of job, but I have found a very stable job. It frustrates me because I have enough income coming in to be able to make my mortgage payment, and pay my other expenses. I dont even pay for a car, I finished paying it and I only pay for insurance. I want them to see that I have enough to pay my mortgage, and of course an affordable mortgage payment. Ive spoken with friends that have SPS as  their mortgage company, and two got  modified already and they have a lower income than me, how can this be? Does SPS want me to be earning {$10000.00} a month to get approved? I believe that even if I earned this much they will still deny me. I believe that almost {$7000.00} a month is good income for a high school dropout, and I have been very responsible with my money, even created a budget. I just want a fair opportunity, and for the investor to consider me for home retention options. I recently submitted an application, and I have to submit some missing documents so I dont get a sale date. I would also like for SPS or the investor to provide a more detailed response on why they cant provide home retention options " based on business decision ''. It is not fair that there are so many modification programs out there, and they dont want to approve me for anything. I will provide any necessary documents that they request, I need help I have my children at home and i have invested so much. <P/>Thank you, XXXX XXXX
Consumer complaint received 2017-07-07
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: Experian Information Solutions Inc. (NY)

There are inquiries on my credit file that I did not authorize. I 've written and mailed out a letter stating to remove unauthorized inquiries on my credit files and sent this through certified mail to ensure delivery. I do not recognize nor did I authorize the inquiries listed in the letter that I sent to the credit bureaus. The bureaus received a detailed copy of my letter with identification.