davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (PA)

My account with AES Success had zero behind payments and I had just sent in extra money above what I owed in XXXX and the money was taken from my bank. Nearly {$1900.00}. I only owe {$360.00} a month. And I overpaid on purpose to try and finally get closer to paying my loan off. On XX/XX/XXXX my monthly direct deposit for the normal {$360.00} was also cashed and collected. On XX/XX/XXXX, they sent my account to collections!!!!!! AES confirmed for me on the phone that my account was placed into collections for defaulting on payments and as a result they closed the account, and reported it to the credit bureaus. They also confirmed they see the payments were successful and I didnt have any past due amounts owed. I was promised a print out of my entire account payment history along with my current balance after demanding it multiple times even though they kept trying to talk me out of requesting it and she kept saying her computer was slow that day and unless I had all day to stay on the phone with her I probably should just let it go. Let it go?!?!?! I was finally assured itd get a copy in the mail within 7-10 business days. Today is XX/XX/XXXX and I have yet to receive that. They said they cant tell me who owns my loan now. We have no idea who ends up getting your loan. So, we just cant give you that information. So then WHY- just yesterday- on XX/XX/XXXX, did AES take my $ XXXX  monthly direct deposit out of my account!! If my account is in collections- with an unknown lender - and my account with AES is closed - than HOW are they still taking my money!!! How can I contact the new lender if I am being refused to know the name and contact number of- them. And how, if I cant change or stop payments or even see if it was applied to a balance I have no access to view, am I supposed to fix this?! I told them on XX/XX/XXXX they made a mistake. They told me I could consider disputing it but we cant guarantee if or when that would be handled. I disputed it with them IMMEDIATELY- while still on the phone. They admitted to me they can see my payment history and that I didnt have any past due payments on my account I owed to warrant sending this to a debt collector. I got a letter in the mail telling me my dispute is denied but I can send them PROOF of me not owing money past due. How am I supposed to do that when they have shut off access to my account and refuse to send me my payment history in writing!!!!!!!!!! This has to be illegal?!!! You people should be sick with grief over the REAL DAMAGE you are causing people!!!!!
Consumer complaint received 2021-11-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

According to the FCRA that you are suppose to be in compliance with states that pursuant to 15 U.S. Code 1681a ( d ) ( 2 ) ( A ) ( ii ) the communication of that information among persons related by common ownership or affiliated by corporate control should be excluded from my consumer report. I believe these accounts should be removed from my consumer report according to the FCRA. you are in violating the law by reporting accounts that should be excluded from my consumer report. All alleged accounts associated with XXXX XXXX be removed from my consumer report immediately.
Consumer complaint received 2024-10-13
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (MD)

XX/XX/year> called and escalated issue of closing Citibank cd account. Amount of XXXX. I provided my social security number, account number, and name but they still required my secret word for verification. I am unable to reset the word or verify myself in any other way and am unable to cancel my account through the phone or through my account after logging in. The only other option is in person at a branch which is over an hour and a half away from where I live. They are basically holding my money hostage without providing me another way to verify myself over the phone. I have tons of other documents than can be provided but somehow just a single word is all I need. They are also unable to provide me with the hint I used that would prompt me to remember the secret word
Consumer complaint received 2021-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (TN)

On XX/XX/2017 I went into a dealership to get a car and used my credit card pursuant to 15 USC 1602 ( l ) making it a consumer credit transaction. The entire credit sale was complete at the signing of the instrument- ( 3-104 ( e ). ) I have noticed that on my credit report that CREDIT ACCEPTANCE CORPORATION is reporting late payments tarnishing my consumer credit report when the car was already paid for.
Consumer complaint received 2021-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Please assist me in getting the following items removed from my credit file. I have sent several disputes without any response. It has been over 45 days and no response. 

The following items do not belong to me ( Fraud Account ) - XXXX - XXXX XXXX ( Transunion ) - Bal : {$100.00} Incorrect Addresses : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2021-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NJ)

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( XXXX XXXX, XX/XX/XXXX ), ( XXXX XXXX XXXX, XX/XX/XXXX ), ( XXXX XXXX, XX/XX/XXXX ), ( XXXX XXXX, XX/XX/XXXX ), ( XXXX XXXX, XX/XX/XXXX ), ( XXXX XXXX XXXX ) , ( XXXX XXXX XXXX ), ( XXXX XXXX ) , ( XXXX XXXX ), ( XXXX XXXX XXXX ), ( XXXX XXXX XXXX ), ( US SM BUS AMIN XXXX ), ( XXXX ) I did not authorize anyone employed by these companies to inquire and view my credit report . This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2021-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HEARTLAND PAYMENT SYSTEMS INC (CA)

The company inaccurately reported my account as delinquent despite it being consolidated over two months ago. The new account shows on my credit report in addition to this false report that I am delinquent. I tried calling the agency and informed them of the issue as this is an urgent matter and trying to close escrow. They said a supervisor will return my call but no one did. I asked them to update my credit reporting to the bureaus immediately as it was an administrative error. They have not updated it. I called several mire times to no avail. XXXX  XXXX university admitted an administrative error. They declined to update my credit report.
Consumer complaint received 2021-11-06
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: EQUIFAX, INC. (GA)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2021-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On XXXX I initiated a CFPB complaint ( XXXX ) against the Bank of America concerning what appears to be 2 fraudulent charges against my credit card via XXXX. On XX/XX/XXXX I received BOA 's response which is logically inconsistent, and does not appear to close the loop on the matter. I received correspondence from BOA and discussed the matter with a BOA Resolution Specialist. CFPB closed the case, however, based on the BOA 's response, I am lodging a new complaint. 

On XXXX/XXXX/XXXX two separate charges were submitted to my account in the amount of {$61.00} and {$66.00} from the merchant XXXX XXXX. These charges were disputed, and were refunded. Subsequently, based on information submitted by the vendor, the refund of {$61.00} was rescinded. 
( 1 ) The first question which begs explanation : of the two charges submitted by XXXX XXXX on the same day, why did the BOA agree that one charge was fraudulent but the other not?

( 2 ) I was informed by the BOA that their claims department determined that the {$61.00} charge was for " online guitar lessons. '' I have no recollection of these lessons, and for my sake and the BOA 's, these " lessons '' should be verified. Despite all the documentation concerning these charges available to BOA, it is unable or unwilling to provide me the precise name of the merchant who alleges these services for which he/she was paid. I have no recollection of purchasing this service, and would like verification from the vendor the nature of the service I allegedly received. 

( 3 ) The response letter from BOA dated XX/XX/XXXX details that the transactions submitted from XXXX were from the merchant, " XXXX. '' Of concerning this merchant name does not appear on my BOA Visa Billing Statements or XXXX statement. The merchant recorded on these statements is, " XXXX XXXX. '' This is inconsistent and incongruous. Why? 

( 4 ) I was advised by the BOA resolution specialist to call XXXX for more information about the vendor. I did so, and was told that they could not ( or would not ) offer more specific demographic information about the merchant. 

It is inconceivable to me, the consumer, that BOA acting on my behalf with XXXX, can approve transactions for which I am eventually liable, without the ability or responsibility to provide me with the name of the merchant to whom I am eventually beholden. 

Thanks for reopening this inquiry.
Consumer complaint received 2021-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

I have sent letters to XXXX, Experian and XXXX stating that the items on the letter enclosed aren't mine and they are a product of Identity Theft I have sent them a police report as well. They aren't sending me any response letters and when I call they tell me they never received the letters nor the report so I have decided to file a complaint with CFPB and FTC because they are totally compromising my credit.
Consumer complaint received 2024-08-23
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. (CA)

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX and list of Inquiries. 

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 2021-11-05
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (CA)

I received a letter in the mail from Synchrony Home Credit Card stating that a card was opened in my name on XX/XX/21. It was sent to my parents home address where my XXXX credit card is billed to, which is why I am just now seeing it. I have not opened a card with this company and am worried that someone used my name to open a card.
Consumer complaint received 2021-11-06
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: College Foundation, Inc. (NC)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

I have a loan with COLLEGE FOUN. For some reason, I realized that there were 120 and 150 days late payments on my credit report. I have read enough to understand my rights. The 3 Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from these accounts. Below are the following accounts with erroneous information and need to fix immediately. 

COLLEGE FOUN XXXX Opened XX/XX/XXXX Balance {$6700.00} ; COLLEGE FOUN XXXX Opened XX/XX/XXXX Balance {$5800.00} ; COLLEGE FOUN XXXX Opened XX/XX/XXXX Balance {$5000.00} ; COLLEGE FOUN XXXX Opened XX/XX/XXXX Balance {$5500.00} ;
Consumer complaint received 2021-11-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Aspen Yo LLC (PA)

My loan was transferred from XXXX to Gregory Funding on XX/XX/2021. I was concerned about this transfer because I was in a Covid-related Forbearance program that I needed to extend after XX/XX/XXXX, so I tried to reach Gregory Funding about getting this extension. I finally reached a representative on XX/XX/XXXX who told me she would begin the process to extend the forbearance, and she asked me a lot of questions about my ongoing Covid-related hardship. Then I received a letter from Gregory Funding dated XX/XX/2021, stating I had asked for a hardship extension, and giving me instructions on how to complete that request. I completed the hardship questionnaire that was included with the letter, as well as a hardship statement. My lawyer submitted the packet via email as instructed in the letter from Gregory Funding on XX/XX/2021. 

Since that submission, I have not been able to reach Gregory Funding. Every time I call, I am asked to wait on hold anywhere from 1 hour 25 minutes to 2 hours 50 minutes before I can speak to a representative. I havent gotten any correspondence from Gregory Funding about my hardship and forbearance application. I have instead gotten bills and statements from them telling me that I am behind and they are continuing to add late charges and fees to my account. I am very frustrated about this. I feel helpless.
Consumer complaint received 2021-11-05
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: GB Collects, LLC (NY)

These XXXX XXXX obtain all of your debtors information, their personal information, your contracts with those debtors, the amount owed, you sign a contract with them that they counter-sign thus making it a full on contract, and then, start making up reasons to saying that they " are not a good fit for your company. '' They are incredibly lazy, do not want to do any work, want you to do all the work for them, unethical, breach contracts, and do nothing but disrupt and disorient your business and debtor collection process. Please investigate and advise.
Consumer complaint received 2021-11-06
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Better Mortgage, Inc. (CO)

My family went about refinancing our mortgage starting in XX/XX/XXXX. We reviewed several rate aggregator sites including XXXX. XXXX advertises rates for different lenders and even has an advertiser disclosure : The listings that appear on this page are from companies from which this website receives compensation It was on this site that we found XXXX. Who was advertising a 1.75 % interest rate with 0 points on XX/XX/XXXX. It was also shown as 1.75 % APR. I clicked through the link to the site at that time and began my application. I was shocked when after my first completion of data the Rate was 1.75 % but the APR was considerably higher. I emailed the loan officer about this and they made an adjustment claiming that they added {$8100.00} in concessions to the loan in order to honor the pricing, however, they changed my own selections on several different aspects of the loan which would be about ( 63 % LTV ). They changed my escrow preferences to utilizing Betters services, when I had originally indicated I would continue to pay my home insurance and property taxes without escrow. When I changed these items back the loan added what I think I recall as {$250.00} in points, despite the advertising being {$0.00}. I asked for this to be adjusted and they claimed this was a change of circumstances. No where on their website can I find that escrow is a required aspect to receive their advertised rates. I checked XXXX website and it is also not addressed. If this was common practice then it should be spelled out. Over the next two days while I completed their tasks, the points rose again close to {$250.00} per day to approximately {$750.00}. Final closing amount was {$720.00}. All this time they were continuing to advertise on bankrate the 1.75 % Rate and 1.75 % APR despite my loan getting more expensive. I asked about this as well and was told I wouldnt have the rate honored again. I decided I would work to finalize the loan because of the good rate ( which they advertised ) and closed on XX/XX/XXXX. I followed up with their customer service via a feedback survey after closing to which I received no response by XX/XX/XXXX. On XXXX I sent an email to the email that asked me to fill out the survey asking about this issue with advertised rates not being offered. Both from my initial application and after they changed the setup of my loan. After several emails with a Client Success Advocate, I was also told that because I didnt lock my rate for 3 days and the market pricing had fluctuated. I have screenshots from the day I locked my rate and from 8 days after I locked my rate showing the 1.75 % /1.75 % APR still being advertised. I believe Better is advertising rates they dont plan to honor and even if asked they work to create situations to drive their own profit.
Consumer complaint received 2021-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (FL)

This is XXXX XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The particular account ( MACYS/DSNB XXXX ) that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to the 3Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2021-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PNC Bank N.A. (GA)

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX and XXXX Credit Bureaus are reporting inaccurate information on PNC BANK. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. Below are the accounts that are reporting on my Credit Reports : 1. PNC BANK XXXX Balance {$44000.00} ; 2. PNC BANK, NA XXXX  Balance {$3100.00} ;
Consumer complaint received 2021-11-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (MA)

I have been a long standing customer of TD Bank since 1994. I have multiple accounts, of note, my savings account. TD Bank has charged {$81.00} in excessive transfer fees for each transfer conducted from my savings account. With the Pandemic, I have significantly limited the in person interactions due to my health and being high risk. Also, as I understand it, Reg D had been repealed and I was under the impression that such fees would be waived due to COVID. Further, when speaking to the representative, she indicated that letters were provided to TD Bank customers regarding the " restrictions '' ; to date, I have not received any letters regarding these transactions. I requesting a refund for the fees that I was assessed, for which after speaking to a branch manager, a call center rep, and then finally a call center manager, was finally refunded. Its unfortunate that TD Bank does not take better care of long term customers or work with such customers to retain the relationships. Despite the fact that the fees were refunded, I will be moving my accounts elsewhere.