davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Bank of America Canceled My Auto Pay without notifying me, which led to a 30-day late payment report on my credit report. 

During the XXXX Billing Period, XX/XX/XXXX to XX/XX/XXXX, My Auto Pay setting was canceled, leading to a 30 late date to my credit report. 
Account Summary ( ending XXXX ) Previous Balance {$65.00} Payments and Other Credits {$0.00} Purchases and Adjustments {$0.00} Fees Charged {$0.00} Interest Charged {$0.00} New Balance Total {$65.00} I set up my Auto Pay to pay from my Chase Checking Account ending ( XXXX ). I closed my not-in-use Bank of America Checking Account in XXXX due to no usage. 

It seems that triggered a cancellation of Auto Pay from the XXXX Checking, and Bank of America did not notify me that this was happening. 

On XX/XX/XXXX, I received a notification from Credit Karma/ and my other Credit Monitoring Service that my score dropped from XXXX to below XXXX due to a late payment ; I logged in and paid the balance immediately and called on the Same day to resolve. 

I called once again on XXXX XXXX, but nothing was resolved. 
I called once again on XXXX XX/XX/XXXX, getting a complaint number XXXX. Nothing resolved. 
I called in once again on XXXX XX/XX/XXXX, got a different complaint number XXXX. 
They told me it is just a complaint number without a dispute to the credit report. 
And some agent on the phone told me nothing is showing late on my account. 

I got transferred and bounced around different departments and they transferred me to XXXX without even communicating with me. ( I think the late payment report should be corrected by the bank first to all three credit bureau since the late payment was caused by cancelled auto-pay )
Consumer complaint received 2023-09-07
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. (GA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Unverified Account has violated my rights. 

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 an 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 2020-06-06
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (CA)

Synchrony bank closed my account for no reason. I have been a faithful customer and always paid my account on time there was no reason that they should close my account. I have needed repairs due on my automobile and now have no way of having those repairs completed. This done during a Pandemic no less, totally crue, heartlessl and irresponsible.
Consumer complaint received 2023-09-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (FL)

I received a text on XX/XX/ requesting XXXX XXXX to be sent to my friend XXXX XXXX through the cash app. I contacted XXXX directly and he said that he never requested any funds. He told me that other friends had also received a request. All of us had previously sent funds through the Cash App. I contacted the company, but they were unwilling to help me. They told me that XXXX would have to talk to them as it was his account that mustve been hacked. The problem with that is that my financial information and apparently others have been affected as well. The only remedy the cash I provided was the recommendation to block my friend from the app itself, which is not a remedy. I can only assume that we were not the only ones affected.
Consumer complaint received 2023-09-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NY)

My federal student loans were transferred to the provider Nelnet. I have been unable to make payments since this change was made. 

Their website requires two-factor authentication but is unable to log in on web browser. After inputting the code it redirects me back to the login page every time. I have tried XXXX browsers on XXXX different devices. This has consistently happened over a month, trying on XXXX separate occasions. 

On the mobile app I was finally able to get into my account. When I went to make my first payment, it gave me error after submitting the payment. Again, I have tried to make payments on XXXX separate occasions and have been unable to pay my bill. 

This is unacceptable. How can my servicer not have a functioning website or payments system. They have a completely inaccesible support. I should not have this much trouble making payments on my student loans.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 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 2023-09-07
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. (DC)

This second time filing a complaint with XXXX and Experian about the account XXXX on my account. I have filed FTC and Police Report I spoke to representative on yesterday, with XXXX told me that had information, but their not going to do anything. This NOT RIGHT and CFPB is not helping too much either.
Consumer complaint received 2023-09-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (VA)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2023-09-07
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-09-22
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. (MA)

Upon reviewing my consumer report, I see that XXXX XXXX XXXX has reported late payments on my consumer report. The account is reported incorrectly and inaccurately. This account must be removed from my consumer report. Please see attached, you will see how incorrect its reported across all 3 bureaus. Months are not the same. It violates the consumer law below.

15 U.S. Code 1681e - Compliance procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2023-09-07
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. (CA)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX : Account Number:XXXX has violated my rights. 

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 an 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.

I have requested for removal of this account because it is not mine. But they will not provide original contract or any information. This is fraud and Please remove this from my credit report immediately. 

XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NV)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-08-14
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: Experian Information Solutions Inc. (GA)

There is something seriously going on with my credit. I keep seeing some hard inquiries that are not mine or associated with me. I am a victim of identity theft, the 3 major bureaus have my proof already. I just checked my report again, and am see some hard inquire that aren't mine. I want them delete immediately, and i am asking for my credit report to be correctly update, and current. According to the law, all hard inquire reporting on a consumer 's report must have a permissible purpose.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS) (GA)

Inquiries that were investigated and supposedly verified to be valid. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These inquiries and all inquiries highlighted in the attachment are acts of fraud. Inquiries were not made by me nor did I give anyone to inquire on my behalf.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NM)

Company name : XXXX ( sells solar panels ) Phone number : XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I applied for a deferred interest loan to purchase solar panels with this company. 
I cancelled the loan as of XXXX  and was told that it was cancelled and received a letter confirming the cancellation. The loan is showing up on my credit report as active as of today, XX/XX/XXXX and that I have a deferred payment not due XXXX 
I have contacted the company to dispute this record and they confirmed that this matter will be resolved on their end.
Consumer complaint received 2022-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX 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.
Consumer complaint received 2024-08-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mr. Cooper Group Inc. (FL)

There is a foreclosure case pending against me and a trial set for XX/XX/year>. I initially submitted an application for loan modification at the end of XX/XX/year>. I have shown sufficient income that I can afford the mortgage payment. The loan servicer is Mr Cooper. I have received repeated requests for the same information about profit and loss statements from the servicer, have timely responded to the servicer 's requests and there still has been no decision on the loan modification application. I fear that the servicer is stalling and simply waiting to deny my application until right before the trial? Further, I have requested that the trial be continued based on the pending loss mitigation as provided by the CFPB Regulations XXXX 12 CFR 1024.41 ( g ) and Plaintiff is refusing to continue the trial.
Consumer complaint received 2023-08-14
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (CA)

Request to Citi Personal Wealth Management : Keep accounts below opened after a partial transfer order to XXXX was made : XXXX IRA ( ~ {$70000.00} ) XXXX ROTH IRA ( ~ {$2000.00} ) On XX/XX/23, I called XXXX, Citibank Investments, a phone number I had previously used to successfully contact Citibank Investments, in order to keep the accounts above open after a transfer order. I was rerouted to Citibank credit cards. 
On XX/XX/23, I called XXXX, Citibank Investments, I was rerouted to Citibank Business. 
On XX/XX/23 I called XXXX, a Citibank Investments representative, XXXX, sent me a secure email so I could attach a rescind letter to keep both accounts open. XXXX told me he will be looking into the issue of keeping the accounts open and told me he would call me back the next day. I never received a call from XXXX. 
On XX/XX/23, I reply to XXXX with a PDF attachment. 
On XX/XX/23, I received a reply form Citibank.securemail.citi.com telling me to attach and encrypted PDF without any instructions. 
On XX/XX/23, I wrote to Citibank.securemail.citi.com to asking for further instructions. I have received no response. 
On XX/XX/23 I called XXXX, Citibank Investments, I was rerouted to Citibank department other than Citibank Investments. On XX/XX/23 I called XXXX, Citibank Investments. I was rerouted to Citibank department other than Citibank Investments. 
On XX/XX/23 I called for a second time XXXX, Citibank Investments. I was rerouted to Citibank department other than Citibank Investments. 
On XX/XX/23 I called for a third time.XXXX, Citibank Investments . I was rerouted to Citibank department other than Citibank Investments. 
On XX/XX/23 I sent a rescind letter to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX to request that the account above be kept opened. I have not received any response. 
On XX/XX/23 I called XXXX, Citibank Investments. I was assured my account will be kept open. 
On XX/XX/23. I called XXXX, Citibank Investments. I was told the account were still closed. 

Thank you for your help and time!
Consumer complaint received 2024-08-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I am a long time Bank of America customer, on their app they had marketing to enroll for a special savings rate of 4.65 % on balances over XXXX. This offer only applied to new funds. I enrolled and received a notice on the app that I could open a new savings account or deposit to an existing advantage savings account. As I already own an account I deposited {$140000.00} moving money from another institution. I never received confirmation of the enrolment other than the webpage on their app. 
To avoid potentially losing interest income I called BOA to inquire as to the rate on my account now and if my deposit was eligible for their promotional rate. I was told they couldnt see any promotion and nor did I sign up to it, which is totally false. I had to move the money back to the originating institution to avoid losing interest income. 
Really unhappy with the transparency here from Bank of America and feel no other option other than to move my entire checking and savings balances from them.
Consumer complaint received 2023-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (VA)

I MADE A DEPOSIT INTO MY TD BUSINESS ACCOUNT ON XX/XX/2023 FOR {$100000.00} THEY PUT IT ON HOLD FOR 6 DAYS. AFTER THE 6 DAY I CALLED UP AND ASKED WHY I STILL HAVE NO ACCESS TO MY ACCOUNT. THE BANKER WHO OPENED MY ACCOUNT HAD NO CLUE WHY THIS WAS HAPPENING TO ME AS WELL. I THEN CALLED THE TD BANK CUSTOMER SERVICE REP AND THEY SAID THE SAME EXACT THING. " THEY HAVE NO IDEA ON WHATS GOING ON ''. AND THAT THE BACK OFFICE ARE THE ONES RESPONSIBLE FOR THIS. NOW THE BANK IS CLOSING MY ACCOUNT AND NOT LETTING ME KNOW WHAT IS HAPPENING WITH MY MONEY. IVE BEEN TO THE BANK MULTIPLE TIMES AND EVEN CALLED MULTIPLE TIMES. MY BUSINESS IS IN JEOPARDY OF CLOSING BECAUSE OF THIS. AT THIS POINT I FEEL I HAVE BEEN ROBBED OF MY MONEY.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-09-07
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. (WV)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.