davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-02
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ID)

My sister in law was homeless and broke, owed $ 700+ to a XXXX. My wife decided to get her stuff out of storage and negotiated with the XXXX to pay {$100.00} to get the stuff out and settle all accounts. My wife put the {$100.00} charge on our Bank of America credit card They loaded up a pickup load of stuff and moved out. When we got our credit card bill there was an additional charge of {$400.00} on the card, made 3 days later, without our approval. We protested the charge to the credit card company, telling them that we authorized the {$100.00} charge but did not authorize the additional {$400.00}. They eventually told us that the charges were valid because we had given the XXXX place our card number and a family member was involved. We told them that we had in good faith authorized the first charge, but not the second and that they should back us up. I also told them that by that logic if I bought a {$20.00} clock from Target on Monday, that they could then charge a {$200.00} item to me several days later. They will not do anything to correct this.
Consumer complaint received 2016-12-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (CA)

EXPERIAN IS REPORTING XXXX BKS ON MY REPORT 1 ) NOT MINE # XXXX 2 ) DISMISSED BK # XXXX Although it is your policy to keep reporting bankruptcies which are filed or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. 

XXXX requires that each time a consumer reporting agency receives a dispute, it shall reinvestigate free of charge, record the current status of the disputed information or delete the item from the file within 30 days, beginning on the date the dispute was received unless the account is determined to be frivolous or irrelevant. 

While the correspondence that was sent by Experian indicates the account was previously investigated, it does NOT however state whether the dispute was determined to be frivolous or irrelevant. 

It has been over 30 days since Experian received my dispute and I have not received any other notices that my dispute was determined as being frivolous or irrelevant and yet the item still remains on my file with a last investigation. Based on the previous information, I am hereby demanding deletion of the adove accounts from my Experian file pursuant to XXXX. I will NOT accept another reinvestigation of the account, ONLY deletion.
Consumer complaint received 2016-12-03
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

In XXXX Bank of America gave us a line of credit. During the recession XXXX we started to draw funds from the line of credit. When the amount drawn totaled {$72000.00}, Bank of American withdrew the facilities and demanded payment of the balance. We were unable to meet the demand. XX/XX/XXXX, Bank of America obtain a Judgment of {$97000.00} against XXXX parties. On XXXX XXXX, XXXX we offered through the Bank attorney 's office to settle the judgment in full for {$40000.00}. We made the payment of {$40000.00} and received an acknowledgement that the payment was for full settlement. The Bank accepted the offer and instructed their attorney to draft settlement documents and the release of all parties. Two weeks later the bank reneged on the agreement. They stated they would change the terms for the agreement they had previously given their consent. 
They now will give partial release for only XXXX of the XXXX parties. We stated that they can not change the terms of an agreement after they had accepted {$40000.00} check for settlement. Nevertheless Bank of America proceeded to change the agreement and insisted that we sign a statement confirming that we had willingly and voluntarily accepted the violations to accept that partial release the bank again insisted that we sign a document require us to abandon all legal rights. We advised the bank through their attorney 's office that these documents were signed under duress. On XX/XX/XXXX Bank of America sent us a demand notice demanding {$66000.00} as final payment of the agreement they violated.
Consumer complaint received 2016-12-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I realized there were several inquiries on my credit report that I did not recognize. I placed a fraud alert on my credit report to prevent it from happening again. I contacted Transunion and was told that there was nothing they could do unless I contacted all of the creditors and had them submit a request. That is an unreasonable request as there are XXXX unauthorized inquires on my credit report. I do not have the time to do that, nor do I think a consumer should. In those cases, the credit reporting agency that provided the information and is reporting it to others, should do their own contacting. I was told there may be a glitch that affected my credit report and resulted in those inquires being placed on my report.
Consumer complaint received 2016-06-24
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (MI)

Equifax dispute process does not even confirm or not confirm the investigation items requested. On several attempts now I have disputed a foreclosure and collection accounts to no avail still result with the same thing that they have verified the account belongs to me. Documentation has been provided showing evidence the account should be deleted along with the creditor themselves submit request to have it removed. The accounts in question on my report with Equifax are XXXX, XXXX Michigan, and XXXX. All other credit bureaus are reporting accurate.
Consumer complaint received 2016-07-10
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (PA)

My complaint is against Wells Fargo Bank. In a letter ( see enclosed ) that I submitted to the Office of the Comptroller, the response from Wells Fargo was that they had difficulty with 3 payments in the course of two years. It states that XX/XX/2015 the monthly payment of {$210.00} was returned due to the wrong routing number provided. All three payments have been made, however, Wells continues to " pyramid late fee payments. '' Each payment is {$39.00}. They are now stating that I owe {$600.00} in late fees because they keep adding as they go along. I only owe XXXX late fees, totaling {$110.00}.
Consumer complaint received 2016-05-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

TransUnion refused to correct a deliquency that the reporting company verifies they have corrected. XXXX XXXX XXXX, XXXX, XXXX sent me a letter regarding my XXXX card on XXXX XXXX, 2016 indicating that they have cleared me of any delinquencey associated with Account ending in XXXX. I have received verification from XXXX that they have sent this to all XXXX credit reporting agencies.I received a letter from TransUnion dated XXXX/XXXX/2016 stating that they will not correct the 30 days late. I forwarded TransUnion this letter, which indicated they had removed the delinquency.
Consumer complaint received 2016-07-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (GA)

An old student loan account from XXXX is still reporting negative remarks on my experiean credit report. XXXX indicated that they were going to remove the negative reporting however when I reviewed my credit report they are reporting me a 180 days late. ACS no longer has my student loan account. Those loans have been rehab and no longer in default status. XXXX is in violation of FCRA.
Consumer complaint received 2016-08-13
Product: Bank account or service — Savings account
Issue: Making/receiving payments, sending money — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NV)

They closed our savings account down no explanation and we reached our forever. Finally sent 15 day demand letter in XXXX 2015 which they refused to respond to, even though ceo XXXX XXXX promised. This is a very dangerous company and needs to be red alterted to all government officials federal and state. They are disgustingly terrifying and worst customer service in the world. This is not a maybe but a fact, the most lethal consumer XXXX company ever. They destroy their own for a nickel. Of course they are gon na keep sending dates that they responsed to consumerfinance.gov but those are just trees to cover their deception, they do not want to pay out what they owe after almost 5 years of illegal savings account, checking account, credit card, debit card, personal loan, auto, renters and then some, the worst CREDIT REPORTING ME when I Was only an authorized user. This company is junk.
Consumer complaint received 2016-10-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (CO)

On XXXX/XXXX/2016 I, in writing and fax to Experian requested them to update my personal information to my current address to XXXX XXXX XXXX, XXXX XXXX, CO XXXX. I requested Experian to remove all the other addresses off my report. They are not correct. They have failed to do so! 
Furthermore, I enclosed my Social Security Card, Passport, and Proof of Residence with my request.
Consumer complaint received 2016-05-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (MI)

The attached lawsuit .pdf, page XXXX, is at issue for my CFPB complaints regarding my student loans. In XX/XX/XXXX, AES made the same claim as listed on page XXXX. By doing this, they misrepresented themself and the related agency laws related to the agency of the federal government at issue in my loan. Other cases and appeals finally stated that AES is a simple corporation and could be sued. This is a XX/XX/XXXX case which clearly falls between my XX/XX/XXXX IBR communications with AES and my XX/XX/XXXX CFPB complaints against AES and XXXX XXXX XXXX. In those complaints I provided detailed information.
Consumer complaint received 2016-04-22
Product: Debt collection — Auto
Issue: False statements or representation — Attempted to collect wrong amount
Company: Klima, Peters & Daly, P.A. (MD)

Follow up to previous Complaint # XXXX filed on XXXX/XXXX/16, XXXX XXXX XXXX is attempting to obtain a Writ of Garnishment against my pay filed on XXXX/XXXX/16 ; after falsifying documentation as the creditor and continuing on a judgment obtained by lying to the Dist. Courts of XXXX XXXX stating that I moved and served docs to locations/addresses where I would never receive notification to defend/appear in court. Current creditor Peroutka is currently seeking a pre-judgment amount plus {$940.00} in legal fees. Peroutka has now provided legal documentation that the debt was transferred to his law offices and that the debt is not time barred that they are trying to collection upon. Peroutka law offices needs to stop the Writ of Garnishment obtained under false pretenses and fraudulent docs submitted to the courts. I am also seeking legal counsel to sue the law offices of Peroutka, Miller, Kilma & Peters, P.A.
Consumer complaint received 2016-12-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (CO)

Our loan had been transferred to Freedom Mortgage, we were on a biweekly payment plan as we wanted to payoff the loan faster. We ended up moving from XXXX Texas to XXXX and sold the home. During closing a payoff amount was requested and we contacted them to notify that the loan would close on XX/XX/XXXX and the payment for XX/XX/XXXX would be included in the payoff amount. A represenative told us this was normal practice and so we went on to close the loan on the XX/XX/XXXX. Once the loan was closed and paid in full, we began looking for a new home in our new XXXX of XXXX. Come to find out our credit had been dinged badly due to Freedom Mortgage saying we had missed XXXX payments!!! WHAT?? I immediately got on the phone to find out what was going on. After countless phone calls and talking to representatives and waiting for supervisor call backs ... .still they can not put me through to anyone who has the authority to look into the matter and realize that NO payments were missed and the loan is closed and paid in Full!! This has prevented us from looking for and applying for a new mortgage. This is by far the worst handling of a situation where a client who has always been in good standing and has completely paid their loan in full, is being completely discredited by a mistake from their company!! It completely disrupts peoples lives!!
Consumer complaint received 2016-12-02
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: JPMORGAN CHASE & CO. (MI)

I signed up for a private student loan for Chase Bank at the age of XXXX to cover my education expenses. Of course at that age I was extremely naive to the drawbacks of a private student loan. Years latter I received a call from Chase Bank telling me that the loan totaling {$21000.00} was due in full immediately. The gentleman I spoke to was extremely rude and told me that there was no way to pay the loan back in installments or a payment arrangement. He told me that the only way I could resolve this matter is by somehow coming up with the full sum of the loan and pay it back immediately. I found this odd because I am still in school and was under the assumption that the loan would be payed back upon graduation and through a payment arrangement like a traditional student loan. Now the loan has defaulted on my credit report, ruining my hopes of establishing credit and owning a home. If Chase Bank would be willing to negotiate some type of terms I would be more the willing to start paying back what I can.
Consumer complaint received 2016-05-20
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: SQUARETWO FINANCIAL CORPORATION (TX)

CACH LLC has default judgment against me for a XXXX XXXX Credit Card debt. I was XXXX served or notified I had been sued and a lawauit pendingpending. Had I received notice I would have responded! I would have disputed the debt, /collection practices, business accounting errors and amount owed and refusal to credit payments and/or requested mediation. Would have done anything to prevent a default judgment against me!? It was a debt incurred only by dental work I needed. My dentist promoted and signed me up for XXXX XXXX XXXX I had no dental ins or any other way to pay for dential necessities such as XXXX etc. Dentist required payment in full at time services were rendered! I had no other way to receive dental care! this acct was opened in XXXX! Over the years XXXX reported me as late or a payment not received ( in error ) which affected the cc agreement, terms and int rate. They changed terms of agmt during a hardship agreement and XXXX int and more, late fees, penalties for making min amount payment due. They agreed to in hardship agmt..Acct closed XXXX and last payment I made was XXXX XXXX. Charged off different amount. lawsuit amounts were exceedingly more and did n't notify me at all of judgment which just learned of through aa recent notice of appt of receiver to garnish my accounts which can remain in place forever. This was 7 years ago and I really do n't have anything to garnish. I have kept good financial records.
Consumer complaint received 2016-10-20
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (WI)

I worked with a banker at PNC bank and signed up for a student checking account which would not have monthly charges for any reason. After creating the account, the banker assured me that the monthly fee that was listed in the paperwork would not be deducted because I was a student, and the student account would not have the monthly fee. For the first five months, no fee was applied. In the sixth month, a {$25.00} fee was charged. I had been assured that the fees would not apply to this student account, so I expected the fee to be reimbursed, and that I should not be concerned. The bank continued to charge this fee for 14 months without reimbursement. Upon recent realization that the fee was not only being charged, but was not being reimbursed, I went to the bank to have this corrected. The banker informed me that the account I had been assigned was not the student version, but the most expensive, " performance '' option, and admitted that the account was incorrectly assigned. They then informed me that the two most recent monthly fees were in the system and could be reimbursed, but that previous fees were out of their control, as they were no longer in their system " for my protection ''. Once I talked to the banker, supervisor, and bank manager, I was told my only recourse was " escalating '' to customer service. Customer service provided the same information, and did not offer any solutions to this problem, as well as implying that I was at fault for the situation, despite the banker 's previous admission of fault.
Consumer complaint received 2016-08-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I currently have XXXX accounts with XXXX XXXX XXXX XXXX. I had recently seach out to the creditor concerning multiple account listed on my Trana Union Report and they stated the other accounts with be removed in XXXX - 45 days. While just viewed my reports again after the conversation with XXXX XXXX XXXX XXXX and the XXXX accounts that were supposed to be removed are still appearing on my reports.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-10-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion added, previously deleted inquiries from my credit report. A couple of weeks later, those same deleted inquires were placed back in my file. I spoke with several representatives that in fact advised that they had experienced a glitch in the system and that they will take care of those previously deleted inquiries. I recently pulled my report and found that they were not removed as promise.
Consumer complaint received 2016-10-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Tranunion re- inserted XXXX previously deleted information and according to law that within 5 days of re-inserting the company must contact me in which no communication was enacted.I will persue further legal actions if not removed.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TN)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2016-12-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

I have for more than XXXX months tried to talk to PennyMac and even the corporate office about my payments and how money is being applied in addition to the payments they claim they have made to the tax assessors office. my payment went up and I have nothing in writing still. 
in addition to this I have unfortunately fallen behind on my mortgage loan and i have been requesting help with my loan have tried to talk on several occasion to the person assigned to my loan and nothing, until i complaint again one called me back and said she would fedex me a package and nothing i keep writing to them via the internal messenger and its a total waste of time. 

it worries me that they are just waiting to add legal fees and file a notice of default to make it harder and more expensive for me to reinstate the loan, so far as of today i have fallen behind XXXX months. 

I need help with this and i need the lenders cooperation.