davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: DISCOVER BANK (NJ)

I am writing to dispute a recent late payment that has been reported by Discover on my credit report. Despite having an excellent payment history with Discover, I was surprised to discover that a payment of {$520.00}, which was little over a month late, was reported to the credit bureaus without any prior notification. 

My name is XXXX XXXX, and my date of birth is XX/XX/year>. The last XXXX digits of my Discover account are XXXX. 

I have been a loyal customer of Discover for 10 years, and it has always been my priority to make timely payments. I have never received any notifications via mail or phone call regarding any late payments, nor have I received any indication of any potential issues with my account. 

I understand the importance of maintaining a good credit history, and I take my financial obligations seriously. It is highly unusual for me to miss a payment, especially one of such a nominal amount, and I assure you that this occurrence was an anomaly. 

I kindly request that you investigate this matter and rectify the information reported to reflect the accurate status of my account. I believe that the reporting of this late payment has unfairly harmed my credit score, and I am confident that a review of my account history will confirm my consistent payment record. 

I appreciate your attention to this matter and request that you provide me with written confirmation once the investigation is complete and any necessary corrections have been made to my credit report. 

Thank you for your prompt attention to this dispute.
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (NV)

About a year ago, I discovered that I am a victim of identity theft again. I found out that someone unknown to me somehow, they found my personal information and had used it by changing my address and phone number to get a few credit cards, including the one from WF/XXXX XXXX. I immediately filed a report on identitytheft.gov and sent a copy to all the major credit bureaus and I also sent a copy to the original creditors. They took the items off and then back on again. I sent a letter to WFXXXX XXXX and requested again this item does not belong to me and close the account and remove it from my credit report. As of this day, I have not received anything back. That is what brought me here today. Please help me to resolve this stressful situation.
Consumer complaint received 2024-04-07
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY (TX)

Dear Sir/Madam, I am writing to express my dissatisfaction and concern regarding the recent cancellation of my XXXX XXXX XXXX account repayment account by Wells Fargo Bank . This action was taken without my consent or notification, and it has caused significant inconvenience and disruption to my financial affairs. 

I opened the XXXX XXXX XXXX account with the intention of managing my finances efficiently and securely. However, Wells Fargos unilateral decision to cancel this account has undermined my trust in their services and has left me without a reliable means of managing my savings. 

I strongly urge Wells Fargo Bank to rectify this situation immediately by reinstating my XXXX XXXX XXXX  account repayment account without any further delay. Additionally, I request a formal explanation for the unjustified cancellation of my account and assurances that such actions will not occur in the future. 

Failure to address this matter promptly and satisfactorily will compel me to explore alternative banking options and pursue appropriate recourse to seek compensation for the inconvenience caused. 

Thank you for your attention to this matter. I look forward to a swift resolution of this issue. 

Sincerely, XXXX
Consumer complaint received 2024-04-07
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: AmOne Corp. (NY)

I was put into contact with AmOne regarding a possible loan through lending tree. However, once put in touch with AmOne and XXXX the customer representative, he instead, said that he would transfer me to another company that AmOne worked with that could help me and save me money on my credit card bills. He would not tell me the company before I was transferred. I was then transferred to XXXX at XXXX. XXXX, that instead of explaining what his company did, that was debt consolidation, he instead went through my bills and then stated how they could negotiate with my credit card companies. I was very confused and started to ask questions. XXXX became irritated with me because I was not ready and uncomfortable with his sales pitch since I was not given explanations of what debt consolidation entailed and the costs upfront but felt pressured immediately. XXXX hung up on me instead of transferring me back to XXXX at AmOne. I called XXXX back twice with an voicemail message about the interaction. XXXX emailed me about it and I emailed him back. That was the end of my interactions with him. No apology or explanations. They need to be upfront with their business practices. It's ok if I am not qualified for loans but tell me up front what they are offering. The whole ordeal was upsetting and unprofessional.
Consumer complaint received 2023-10-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (WI)

I applied for the SAVE program and nelnet received my application on XX/XX/XXXX and they have not processed it or provided updates. My payment was due XX/XX/XXXX for around XXXX dollars a month and my SAVE payment was projected around XXXX. I emailed and called several times to discuss my application or what i should do but would sit on hold for over 90 minutes and give up. My calls would also get disconnected after waiting a significantly long time. Given that i have to work to pay these loans back, i simply can't afford to sit on the phone for 8 hours a day hoping my call won't get disconnected or that i actually speak with someone. 

I believe this delay is intentional to force my default so that my previous years of payments go back to XXXX, knowing full well i can not pay XXXX a month so they ignore or delay my application and i suspect this is the case with many other borrowers. A month to review my application is absurd.
Consumer complaint received 2022-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (WA)

All of my personal information was hacked into and I am receiving constant emails about loan applications and credit card inquiries. I did not give my permission for this to happen. I have damages to my vehicle due to authorized repairs that I did not approve as well. My email and phone number are completely compromised. My phone carrier is XXXX  XXXX and they have allowed another person to have full access to my account.
Consumer complaint received 2022-09-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL (NC)

JCPenney Credit card account opened XX/XX/XXXX is owned by Synchrony Bank,, XXXX XXXX XXXX, XXXX FL XXXX ; Phone XXXX The account has been paid on time with no late payments. 

On XX/XX/XXXX I applied for a credit limit increase from {$100.00} to {$1000.00}. At the time of the request and currently my credit is in the good standing, and my salary and credit history are good. 

However, the increase was denied. When I asked why, I was told it was based on information in my file- my credit score. I asked for a copy of the denial letter with the referenced credit score. I received a copy of the letter via email and in the mail. It was an old letter dated XX/XX/XXXX which referenced an old credit score from XX/XX/XXXX. XXXX was referenced as the consumer reporting agency. 

On XX/XX/XXXX I called the company again to try to get the old information updated in my file. I spoke to a representative at the number listed above ( same in letter ) and asked why the company is using outdated credit reports and scores to deny credit increases. It was a waste of time. He refused to assist and kept repeating " decisions are based on soft inquiries and credit reports in your file. '' When I asked what is the date of the soft inquiries and credit reports in my file, he kept repeating " its what's in your file and we don't have any control over it. It's automated. '' I countered multiple times saying " if the information is incorrect or automated who can fix it? '' He offered no resolutions and would not help so I asked to be referred to a manager or department who could assist. He said he needed to place me on hold and it would take a while for someone to assist. I was placed on hold for several minutes but no one ever picked up the line nor did he update me on status. 

I am seriously contemplating closing the account since it appears the company does not seem to care about the concerns of loyal customers. Any help provided would be appreciated.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NY)

Called about erroneous and inaccurate information on my credit report that was disputed by letter. Never received anything from company to support their decision to leave the information disputed on my report. Representative admitted there was no documentation to support their information, but told me I had to take that up with the company that fraudulently pulled my credit report in the first place cause if the inquiry on my report. Notified individual they are not in compliance with Metro 2 and the FCRA Section 1681b, and stated as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Representative told me Good Luck! Seeking legal action and hung up.
Consumer complaint received 2022-09-30
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

XX/XX/XXXX To : Consumer Financial Protection Bureau I have a complaint in regards to my house placed under foreclosure through my mortgage company Bank of America. My house was paid off in XXXX. Bank of America failed to notify me with the Deed of release. I continued making payments on all the way up until XXXX, when I received a letter with a returned money order stating that I over paid. I then was notified that my house was paid. I have been under bankruptcy twice since XXXX. My payments consistently increased. A couple years back I was under foreclosure where I came across a program that I applied for to help me to stay in my home. I later found out that BOA took the payments from me that I continue making and also taking the payments from the program and lied about the program saying that I was denied. A couple of weeks ago, a XXXX looking man came to my house, knocked on my door, and told me that he has purchased my house. My house was listed on a website called XXXX After the house " sold '' at the auction that was listed on the website. Most of my family members, and members through marriage all received a letter from a lawyer in XXXX, TN letting each person know that my house was under foreclosure, how much it sold for, & the date. The letter also stated that there is an overage or refund that it is owed to me. This has been a stressful, embarrassing time for me. I have paid my house two to three times more that what I should have. While I was under bankruptcy the lawyer for BOA asked that I pay for their fee and the bankruptcy trustee agreed. My house was paid off in XXXX. It is now XXXX. That mean, I overpaid my house for 9 years! and BOA continue to let me while taking my money. I have received a court date for XXXX XXXX XXXX XXXX XXXX for XX/XX/XXXX for Possession of my home. 

This has to be corrected for my children and I. This needs to corrected now so that my children and grandchildren can inherit what I have worked, and struggle so many years for. This house need, must, and will be inherited to my family not to a thief that think that they can come and steal what is rightful OURS. I'm consistently receiving calls, texts, emails, and flyers in the mail asking me to sale my home. My home, that me and my family has built together and made it our own??? My home were there are so many memories in??? BOA has stolen and lied to so many homeowners over the years and I'm one of them. This is a serious issue that needs to be addressed immediately. I need answers fast.
Consumer complaint received 2018-11-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Reliant Capital Solutions, LLC (AR)

I need of copy of all the records stating i owe this loan. I had intended to go to XXXX University the annex in XXXX, Alabama in 2009. My father who is an addict lost his mind I lost my home and my vehicle and could not attend the school. Now i am receiving phone calls and letters saying I owe XXXX for an education i never attended. Please help the amounts are listed twice two payments for XX/XX/09 and XX/XX/2009 as double charged amounts
Consumer complaint received 2022-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Received and email from Bank of America stating that I have been approved for a XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, along with a secondary email asking to confirm my email. I believed this to be Spam but then received a text message " welcoming me to Bank of America '' with a link. The email stated if it this was suspicious activity then forward to XXXX which I did. I then reviewed my credit on XXXX where I saw a hard inquiry from Bank of America in XXXX XXXX, TX on XX/XX/22. I phoned XXXX to put a fraud alert, disputed the inquiry, and phoned Bank of America because this was not an inquiry I requested. I believe someone is using my information to apply for credit.
Consumer complaint received 2022-09-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (KY)

Regarding PHH Case : XXXX. CFPB Case ID : XXXX In the response for this case, PHH admitted they had processed my 2021 taxes in error to the wrong account. PHH transferred service to XXXX XXXX. They stated that amount of XXXX would be sent to XXXX XXXX  to be applied to my account. 

XXXX XXXX  has NOT received this payment. I have not received a payment. I had to make this payment out of pocket due to everyone 's error.
Consumer complaint received 2022-09-30
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Alliance One, Inc. (IL)

Violation # 1 XXXX pm received call from an XXXX from Alliance one... she asked my name and did not do a 2nd verification..gave me no mini XXXX and began telling me my amt of 2145.56..advised rep of the violation and asked to speak with supervisor ... an XXXX was put on phne stated she supervisor. Than demanded me to verify who I am.. advised first rep didn't do that ... .then she stated to me that calling out they don't need a second verification of identity. 
Asked me doni want calls to stop ... ( tactic to let amt grow with no resolution to the problem ) I advised NO... I wan na file a complaint and dispute these charges... said it 3 times before hung up... they stated ok... ( call time XXXX and XXXX ) Violation # 2 Received another call XXXX from an XXXX ( rep ) did verify but stated that there no notes in system from XXXX me disputing or making complaint.. ( 3rd violation of rights ) Asked speak with manager XXXX... stated she see no notes either ... I advised her its illegal to call after someone dispute or complaint... she said she need listen to calls... 
BROKE FDCPA VERY UNACCEPTABLE... 
I'm losing hours of work to deal with this clearly HARASSMENT!! A
Consumer complaint received 2023-10-16
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Thaxton Investment Corporation (TX)

i have told them to not call my cell job or my spouses job for collections and they called my job any way today XX/XX/23 they also didnt try to help much with reducing payments due to a medical issue i could no longer pay them but the main issue is calling the job when told not to call
Consumer complaint received 2022-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

I've tried to refinance my car through companies XXXX XXXX suggested me. 
It was pre-qualify applications, that's why i've applied. 
As i know pre-qualify means soft inquiries, not hard ( i read this information from internet ). 

After that, i got a lot of hard inquiries to my account, that's why my credit score dropped from XXXX to XXXX ( XXXX points ). 
I got a lot mails in my mailbox from credit unions i don't recognize. 

I've applied number of times for credit cards, but got denied ( all of this are my applications ), but i didn't give the consent to credit unions to make a hard inquiries to my account. 

That's why i think all this inquiries should be removed from my credit reports,
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (FL)

in XXXX of 2022, we asked for payment options since we were affected by XXXX XXXX and we needed to skip a payment or XXXX on our mortgage. The representative we spoke to said we can do a forbearance for XXXX months and that it would be tacked at the end of our loan. All we had to do was call back in XXXX  months and start the payments again. When we called back, they told us that we had to pay the entire XXXX  months up front to make the account up to date. This made XXXX sense because we wouldn't have gone into forbearance in the first place if we knew this information. We tried multiple times to get the proper paperwork in to fix this, but we kept getting it pushed back to missing information. We spoke with another Loss Mitigation XXXX and she said we can split the owed amount into a payment plan throughout the year. We said great! What she failed to tell us is that we would be reported as " late '' on our credit report EVERY XXXX MONTH until it was paid off. So we still made our mortgage payment with the extra amount from the forbearance and it was considered " Late ''? This didn't make sense and completely unfair if we are still making our mortgage payments ON TIME. I asked for my recordings from the time of the XXXX  forbearance to hear what the first representative had told us and they responded that they legally do not have to provide those. Myself and many others are speaking to a lawyer who have had the same issues with this lender. My husband and I had a XXXX XXXX in the high XXXX and now it is in XXXX due to this misleading information from this company. I can not provide any recordings as proof since everything was done over the phone.
Consumer complaint received 2024-04-05
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (FL)

I made an error when paying my American Express XXXX XXXX XXXX credit card in XXXX of XXXX. The bill was XXXX I paid XXXX, XXXX short. Amex charged me XXXX I called XXXX XXXX on XX/XX/XXXX and talked with XXXX who explained what happened. I asked if he could waive the fee. After putting me on hold, he came back and asked me if I received my statements? I responded afirmatively and he put me back on hold. After XXXX minutes he came back on the line and told me my request was denied. I asked him to explain to me how the interest charge was calculated and he explained that its calculated on my entire balance, not just the outstanding amount.
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (TX)

I have contacted XXXX XXXX and Early warning system about incorrect inaccurate information reporting on my consumer report regarding bank accounts opened by identity theft. I have sent each data furnisher a police report, federal trade comission identity theft affadavit, formal dispute and supporting identification documents. The bank accounts are still being listed on my consumer report regardless of the police report being supplied showing them that I was a victim of identity theft in the past. I am asking for assistance in getting this information blocked and remove per Federal Law FCRA.