davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-24
Product: Bank account or service — (CD) Certificate of deposit
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I Bank with Bank of America. When I am having a check direct deposit into my account, it does not tell me the amount I am receiving from my employer. It says employers name and amount of XXXX cent until it clears. my check was deposit in on Friday morning. here it is Monday and the check still has n't been cleared and I still cant see my amount that was direct deposit in. My other bank tells me the amount shown as soon as a check is direct deposit in. why cant ban of America have this feature as well?
Consumer complaint received 2016-12-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX shows me that I opened a home loan in 2011 which is incorrect. I do n't even own my own home and I never have. I 'm only XXXX XXXX XXXX. I would like to get that information pertaining to false home ownership taken off my file. I do n't know where that came from but again, I did n't apply for a home then and I never have apllied for or received a home loan. Thank you.
Consumer complaint received 2016-10-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (CT)

Equifax is reporting a derogatory collections account, XXXX XXXX XXXX XXXX XXXX Account Number XXXX, past the 7 year limitations period in violation of Section 605 ( a ) 5, ( c ) 1 of the Fair Credit Reporting Act. The original creditor was XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX is a debt collector for XXXX XXXX XXXX. 

I am demanding Equifax remove the account from my credit file which is more than 7 years past the date of delinquency but Equifax is refusing to remove it. Also, XXXX and XXXX already deleted the account. 

The account officially defaulted on XXXX XXXX, 2008 because the account 's original contract clearly states default occurs when a bankruptcy petition is filed and I filed a bankruptcy petition on this date. ( See XXXX XXXX Contract page XXXX Section I ( XXXX ) " To the extent permitted by applicable law, I will be in default if : ... ( XXXX ) any bankruptcy proceeding is begun by or against me. '' ) On XXXX XXXX, 2008, I filed a Chapter XXXX bankruptcy petition in the Bankruptcy XXXX XXXX XXXX XXXX Texas in XXXX, and included this creditor and account in my petition. The case number was XXXX and a discharge was issued XXXX XXXX, 2008. The creditor was served. ( See the attached bankruptcy petition page XXXX, discharge order, service of process, as well as the promissory note ). 

Finally, XXXX XXXX included terms that were abusive for a loan of any type especially an alleged student loan. The interest rate was over 20 %, and the note was not certified by the University XXXX Pennsylvania or any University, College, or School. In fact, at the time the loan was issued, I was hospitalized and no longer a student at the University XXXX Pennsylvania. 

I am demanding this item get removed from my credit report with Equifax because it is past the 7 years reporting period and in violation of the Fair Credit Reporting Act.
Consumer complaint received 2016-10-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My identity was recently stolen and the fraudsters have attempted to use my identity to open a number of credit accounts with retail establishments such as Macys, XXXX, XXXX XXXX, XXXX XXXX, XXXX, etc.
Consumer complaint received 2016-09-13
Product: Credit card — 
Issue: Payoff process — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (CA)

Union Bank issued new credit cards to its customers after changing the company that handles the credit cards to Union Bank. I have been unable to register the card autopayment, an error continues to occur showing the autopay feature has been turned off, though I continue to enter the info over and over again for autopay. It also does not allow for anything other than the minimum payment due, or the full balance, to be allowed to be paid, XXXX as a specific amount. I have been on hold for over XXXX hours with Union Bank, both customer service and technical support.
Consumer complaint received 2017-01-13
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL (TX)

I was charged a {$27.00} late fee because GE Capital Lowe 's card prohibits their auto-pay users from paying prior to the due date and forces all auto-payments to be made on the exact day due. Such prohibition assures millions in late fees whenever a bank holiday prevents timely payment for their auto-pay users. Clicking on the chat icon directs the consumer to a defunct link. 

GE Capital Lowe 's card additionally prohibits purchases of small items who wish to pay off their purchases before incurring interest from doing so if the same consumer already entered into a low-interest long-term fixed payment agreement for a big ticket item balance also on the same card account. Thus any money sent even if it is multiples of teh monthly payment on the long-term loan only gets applied to the low-interest long-term loan forcing the consumer into paying 5-6 times higher interest on small purchases. Lowe 's response that all you have to do is call each month to rectify but after doing this three times in a row and being tossed back and forth between departments to be re-validated for 30-90 minutes each time it is cheaper to simply never use the Lowe 's credit card for small purchases if you still have a loan balance for a long-term agreement at a low interest rate.
Consumer complaint received 2016-09-12
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: WELLS FARGO & COMPANY (NC)

had credit card with wellsfargo each month charged excessive fees no matter how much paid month after month balance never went down. whatever paid like throwing away money. asked for consolidation loan for help turned down, someone needs to look into how charge excess credit card fees something going on with this company.PLEASE PUT WELLSFARGO UNDER MICROSCOPE ON THEIR CREDIT CARD FEES AND INTEREST RATE.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$5900.00} XXXX - XXXX - XX/XX/XXXX - {$2200.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$12000.00} XXXX - XXXX - XX/XX/XXXX - {$12000.00} XXXX - XXXX - XX/XX/XXXX - {$11000.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2016-10-24
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BARCLAYS BANK DELAWARE (NY)

I had fraudulent charges on my XXXX. I contacted the company about the charges, they removed them and issued me a new card with a different number. About a month later I had fraudulent charges again. I contacted the company again. They removed the charges again, and they offered to issue me a new card with a new number. I told them that I wanted to close the account, since I had had fraudulent charges twice and did not feel the card was safe. They told me that the account would be closed. That was in XX/XX/XXXX. In XX/XX/XXXX, I received notification that there were new charges on the closed account. It turned out to be a recurring payment that had forgotten to stop. I payed the bill, since the charge was authorized, but called the company and asked them once again to close the account and not to let any more charges go through. It is now XX/XX/XXXX. I received a phone call from XXXX today saying that I owed money for charges on my account. I told them that I paid off and closed the card in XX/XX/XXXX, paid off and closed the card again in XX/XX/XXXX and would not be paying them again. They said that they would credit my account for the amount, and that I would not owe them any money. That is fine, but I still need them to close the account. They said that they would, but I do not believe them. I am concerned that my credit score will be negatively impacted if XXXX continues to neglect to close the account.
Consumer complaint received 2016-10-24
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc (GA)

PayPal is currently attempting to charge me {$1300.00} due to a credit card 'chargeback ' which someone filed with them claiming they did not get an item which I sent to them. I have proof the individual received the item and now they have the money for it as well. I have told PayPal to dispute this chargeback. PayPal has been provided with the evidence from a UPS investigation in which the individual admitted they received the item. The individual now has both the item and my money, and PayPal expects me to pay {$1300.00} into my PayPal account, claiming they will return the money " if '' the credit card company decides in my favor regarding the chargeback.
Consumer complaint received 2016-09-12
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (FL)

On Friday, XXXX/XXXX/16, I called Quicken Loans about a potential refinancing of my existing mortgage. I explicitly told the representative what I was looking for, the term of the loan, and the minimum cash out amount that I needed ( {$140000.00} ). I told him that if the cash amount I needed was not possible, I would not be interested in refinancing since it would not serve my needs. He stated that I would be able to get the amount required, perhaps about {$5000.00} - {$7000.00} less ( which I did not object ), and the rate would be 2.99 %. He then said that he needed to " profile me ''. I told him that I would be ok as long as the cash out amount and the rate were accurate ( emphasis on these conditions ). After he ran my credit, he said everything was fine and I would be receiving a good faith estimate shortly. To my surprise, not only the cash out amount was substantially lower - {$120000.00}, more than {$20000.00} less than what I required! - the 2.99 % rate required more than 3.5 % in points, which he did not disclose! I emailed him back twice and received no response. I feel that I was cheated during the process so he could run my credit score and initiate the application, most likely because his compensation is tied to those metrics. He should have disclosed the points and Quicken Loan 's experience in this industry should have been more than sufficient to give an approximate cash out amount based on the closing costs, at the very least that the amount would not approximate my desired outcome.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AZ)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2016-05-23
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America is guilty of duel tracking a borrower who has not yet completed the modification process. 

In a letter to me dated XXXX XXXX, XXXX, Bank of America through a third party debt collector, XXXX XXXX XXXX XXXX ( XXXX ), stated they intend to conduct a non-judicial foreclosure sale ( trustee 's sale ) on the Deed of Trust associated with this loan. 

Bank of America knows full well, I am still considered active in the modification process as they have not provided me a written determination on my timely appeal of XXXX XXXX based on the incorrect HAMP denial of XXXX XXXX as stated and confirmed in their XXXX XXXX, XXXX letter to me. 
Per RESPA as enforced by Regulation X and a group of laws commonly referred to as the California Homeowners Bill of Rights, duel tracking is against the law. Therefore, my home loan account can not be forwarded for foreclosure, or any other separation processes until the modification process in general and the requested HAMP, in specific, has been completed.
Consumer complaint received 2016-07-12
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (IN)

I had an unauthorized charge of {$1.00} appear on my dormant credit card on XXXX/XXXX/16. I contacted CITI and they removed the charge and cancelled the credit card. When they issued the new card the transaction was re-posted on XXXX to the new card. I have attempted to contact CITI on XXXX occasions and still have not been able to get the charge removed. 
This has been the most frustrating experience. I feel that CITI 's actions range from either utter incompetence to criminal theft. I believe that these actions are systemically imposed to frustrate consumers to the point that they give up on attempting to collect the money owed. 
Contacts : Called on XXXX at XXXX XXXX for XXXX minutes. Disputed re-posted charge at time when I noticed the {$1.00} charge had been re-posted to account. 
Called on XXXX at XXXX XXXX for XXXX minutes. Follow up call where I was informed that dispute was still in process and must have been written on paper on XXXX and was n't entered into system until XXXX. 
Called on XXXX at XXXX XXXX for XXXX minutes. I was advised to call internet security because the charges were showing as removed in the customer service system. 
Called internet security on XXXX at XXXX XXXX for XXXX minutes. I was advised that the removal of the fraudulent charge had been reversed with no reason. 
Called customer service on XXXX at XXXX XXXX for XXXX minutes. I cancelled account and was again promised for the 4th time that the charge would be removed. The customer service representative stated that the case had been sent over to internet security.
Consumer complaint received 2016-12-29
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

XX/XX/2016 CFPB : Bank of America refuses to disclose to me the information about my Residential Mortgage Loans that it has reported under the Home Mortgage Disclosure Act ( HMDA ). I want, and need, to receive all such information. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXXXXXXXXXX
Consumer complaint received 2017-03-28
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I was slammed by a CSR in the XXXX of XX/XX/XXXX. I would have never agreed to sign up for debit protection, but the CSR told me that you could file a claim and be eligible for debt protection even if you become unemployed voluntarily. I outright asked the CSR " so if I quit my job I would qualify for debit protection? ''. The CSR said : yes even if you quit your job. So from XX/XX/XXXX through about XX/XX/XXXX, when I quit my job, I was unaware that I could not deploy my debt protection. I held on to it for a while, hoping to get an unemployment appeal decision in my favor. I called the CSR for the credit card services. Several times and told them I was slammed by a CSR. They always agreed that I should get reimbursed. The last time I talked with some body about it, he told me he was in charge of all of this and was looking into it. I never heard back from him. It was about a year ago. I started working a split shift, over 12hrs away from my XXXX mile daily commute. ( that is a 14 hr day way from home ) I had no time to investigate. When I finally had some time I called. They talked to supervisors that said it was so long ago, and there was nothing they could do. I have been asking all along about the recorded phone calls. They always tell me they can and will pull them and they do exist. I did the math and i 'm out {$1800.00}.
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2016-11-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (PA)

Equifax is currently reporting XXXX closed student loans on my credit file from US DEPARTMENT OF EDUCATION. Both loans are older than 7 years and are still reporting on my credit file. The accounts were paid and closed XX/XX/XXXX. I looked at my credit report today and at the payment history and Equifax is reporting the loans as CA ( Collection Account ) for XX/XX/XXXX and XX/XX/XXXX - the account was paid and closed in XX/XX/XXXX so how is it being reported as collection account in XX/XX/XXXX? 
i also noticed that i was reported as 120 days past due for XX/XX/XXXX and XX/XX/XXXX! These accounts were paid and closed in XX/XX/XXXX! How are you reporting current data on a closed account that has been closed for 3 years!
Consumer complaint received 2017-03-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (TX)

I have filed a dispute with the XXXX major credit bureaus regarding bankruptcy information listed on all XXXX credit reports. The bureaus do not include where the information is provided from. I have confirmed with the Texas Federal Court that this information is not supplied by them and thus can not be confirmed or verified with them. Information has not been provided by each bureau indicating where the information is derived from. I feel that this is not fair being that I can not directly dispute or verify the information being reported on my XXXX credit bureaus of XXXX, XXXX and Equifax
Consumer complaint received 2016-07-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have a credit monitoring account and it showed that my inquiries were removed on Transunion. I received an alert a week later and all of the inquiries were listed on my account again. Transunion did not notify me of this taking place which is illegal. I called them to remove the inquiries but they only removed XXXX.