davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc. (GA)

I am writing to REFILE the complaint against XXXX XXXX XXXX/AIDVANTAGE for non-compliance with the Fair Credit Reporting Act ( FCRA ) and for permitting fraudulent accounts to persist on my credit report without rectification. Attached to this communication, please find copies of the letters I previously submitted to XXXX XXXX XXXX/AIDVANTAGE, along with the assigned identity theft case number XXXX. It has come to my attention that despite my dispute letter dated XX/XX/year>, XXXX XXXX XXXX/AIDVANTAGE has failed to address the fraudulent accounts that continue to be inaccurately reflected on my credit report. I had anticipated that XXXX XXXX XXXXAIDVANTAGE, as a credit reporting agency , would safeguard my personal information and ensure the provision of precise credit reports. I am deeply concerned about the potential damage to my creditworthiness and financial standing resulting from the presence of these fraudulent entries. I urge XXXX XXXX XXXX/AIDVANTAGE to promptly investigate and rectify the inaccuracies on my credit report in accordance with the provisions outlined in the Fair Credit Reporting Act. Your immediate attention to this matter is appreciated, and I expect XXXX XXXX ED/AIDVANTAGE to adhere to the FCRA guidelines in ensuring the accuracy and integrity of the information contained in my credit report.
Consumer complaint received 2024-02-03
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DriveTime (CA)

The car was a lemon I took took it to XXXX a couple of time for problems offer problems the last time the cast was about {$12000.00}. XXXX and the car was not a year which was about {$40.00}. If I go the whole years to pay off I told then y will I put {$12.00}. In a lemon and the warranty that I pay for from them will not cover nothing so I surrender the car and after that they never contact me again I try to call the warranty company the car dealership but the give me the run around hung up I call back no one answered now the send {$12.00}. To collections witch I think they should give me all my money I put in the car maintenance wise and paying towards the loan on a LEMON.. ( ( DRIVETIME ) )
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2024-03-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Clark County Collection Service (NV)

I disputed the presence of a fraudulent account on my XXXX credit report, which is being reported by Clark county collection. Despite my repeated attempts to rectify this matter with Clark county directly, they have only removed the fraudulent account from my XXXX and XXXX credit reports, leaving it unresolved on my XXXX report. 

This fraudulent account, which I have never opened or authorized, has had a significantly detrimental impact on my credit score and financial well-being. It is imperative that this erroneous information be promptly removed from all of my credit reports to prevent further damage and restore my creditworthiness.
Consumer complaint received 2024-03-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (TX)

Instead of using partial payments and showing a partial payment went towards the next payment on their app it looks like youve made the payment and then youve made a partial payment and so theres so much confusion regarding regular payments and partial payments that none of the payments get processed and then they get reversed eight days later instead of them being a timely transaction, they take Eight days or longer and so the app says youre all caught up and then all of a sudden youre 52 days late because theyve reversed a bunch of payments that didnt go through for like 10 days and then they charge you fees for it and then it change your credit when you thought you were all paid. When you asked the company for additional information about your payment transaction history first they say theyre gon na send it to you via email and then they dont.
Consumer complaint received 2024-03-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Financial Business and Consumer Solutions. (IL)

Found out about this debt when attempting to refinance a home equity loan we inherited from my XXXX. 
XXXXXXXX XXXX - account was opened XX/XX/XXXX and closed XX/XX/XXXX ( I was supposedly paying for some kind of account protection for job loss/lay off/illness ). Apparently was not true. 
I had lost my job balance was XXXX On XX/XX/XXXX called XXXXXXXX XXXXXXXX to attempt to clear this up ( XXXX ) was told it had been sold to XXXX XXXX XXXX On XX/XX/XXXX made my first of 7 phone calls ( XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) to Federal bonds and had been told their system was down, they could not give me the information I was asking for - proof that I signed anything allowing them to obtain my debt, balance, payoff ) this has been the same conversation at each call. Today XX/XX/XXXX I once again attempted to contact them only to be asked to leave yet another detailed message. 
This is the ONLY delay I have to finishing my loan refinance and I'm getting no where with them. 
I have disputed this on XXXX XXXX and informed them that if this is not cleared up I will be forwarding all of this to my attorney. 
I'm hoping you can help.
Consumer complaint received 2024-07-22
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: EQUIFAX, INC. (NY)

XXXX XXXX - XXXX XXXXThis Cfpb complaint has been filed to request pursuant to Fcra 605B 15 usc 1681 1c-2 that you the transunion credit reporting agency, block my information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate and false information consists of personal credit cards acconts open at XXXX XXXX  acct XXXXXXXX XXXX XXXX  acct XXXX, XXXX XXXX acct XXXXThese accts have resulted in chargeoffs appearing on my consumer XXXX credit report the aforementioned accts chargeoffs appearing on my consumer credit reports maintained by you were not opened made or initated by me. All of the chargeoffs are the result of identity theft and fraud i have attached a copy of Ftc identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accts chargeoff are the result of identity theft and fraud.
Consumer complaint received 2024-07-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello, My name is XXXX XXXX I lost my father due to Covid so I was expecting a small help I had received a check it took Bank of America almost a month to verify it and when I talked to customer service representative I was told the check is clear I was behind my rent so I immediately withdraw the balance to pay the rent and then they told me the check bounced so they opened a different account for me now that they want to return my funds they subtracted the check that was verified by their customer service representative not to mention they have been charging me XXXX $ fee why they left the account is negative open and open a new checking account for me their agent confirmed everything how is it my fault?
Consumer complaint received 2024-07-18
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX XXXX XXXX XXXX General Delivery XXXX XXXX XXXX XXXX CA XXXX Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXXClaim number XXXX claim amount {$100.00} Dispute transactions : XXXX transactions to XXXX and XXXX XXXX service that posted in error and should not be charged to my card. 
Complaint : the negative balance of my account is- {$100.00} and is a financial injury from the claim research worker decision to deny my claim for the missing information that is the fault of the claims workers initial notation describing the transactions being disputed might be missing or not done by the claims worker. The claims was denied for not looking for a statement that described the transactions as an unauthorized debit transaction it should not have been denied. The temporary credit should not have been reversed charging my account for the temporary credit. 
I want the resolved claim to be done to return the funds that will repay the temporary credit. Please resolve the claim in my favor right away with the payment payment of {$100.00}.
Consumer complaint received 2024-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Today u was trying to make a few payments using my debit card. I was trying to big my baby a meal at the grocery store and my card was declined. Then I tried to buy him milk at another store and it was declined. I had to ask a stranger for {$5.00} and it was very embarrassing. I contacted the bank and they can not do anything until the investigator who froze my account calls me. I sold my house as I was told my Bank of America that my wire form the escrow company looks suspicious. I was given no notice when they froze it yesterday on XX/XX/year>. They froze not only my personal account but my business account. How am I supposed to eat and pay my current rent and feed my baby boy? I can not get in touch with anyone that can help me.
Consumer complaint received 2024-07-22
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: EQUIFAX, INC. (TX)

I am writing to formally express my deep concern regarding the disputed accounts currently listed on my credit report. Despite repeated attempts to address these inaccuracies, I have yet to receive any satisfactory resolution or corrective action. These errors are significantly impacting my credit profile, causing severe hardships and affecting my ability to manage my financial affairs effectively. 

The inaccurate accounts in question have tarnished my credit file and are unjustly impeding my daily life. Therefore, I urgently request your immediate assistance in conducting a thorough investigation into each of these disputed accounts. It is crucial that the necessary steps are taken promptly to rectify and update my credit report. 

I kindly ask that you initiate the investigation process without further delay and ensure that all erroneous information is corrected in accordance with the Fair Credit Reporting Act. Restoring the accuracy and integrity of my credit file is essential for me to regain control over my financial well-being. 

Your prompt attention to this matter is greatly appreciated. I look forward to your swift response and the resolution of this issue at the earliest convenience. 

Thank you for your cooperation and understanding.
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (PA)

I am a victim of XXXX XXXX of Debt bondage and would like for all listed accounts to be BLOCK AND DELETED COMPANY INFORMATION EQUIFAX LLC CUSTOMER SOCIAL SECURITY NUMBER XXXX CUSTOMER DATE OF BIRTH XX/XX/year> CUSTOMER NAME XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-21
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: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

I have had it with Bank of America 's deceitful and unlawful activity. I have been dealing with their scamming for over 3 months now. They do nothing but scheme and lie more to cover up the original scheme and lie, in response to something. Bank of America is not receiving another penny from me. I'm done. I am not paying them more money to take a loss on fake credits and {$1100.00} in payments. And ruining my credit for 7 years, based off a lie a payment was missed. And if BofA is messing with my account # XXXX to respond to the complaint on XXXX, they are going to have a major issue. I shouldn't have to pay for an atty to deal with them, when CFPB has enough information already to know BofA can't turn a collectable debt into an uncollectable debt, just by lying so they can charge it off. If I have to get an atty myself, I will. I'm done Bank of America! Please CFPB, hold them accountable and force them to own up to what they did. This is being added because of XXXX 's response to the complaint on Bank of America. Bank of America had no right to give my account # XXXX information to XXXX to start with much less have XXXX give that information to someone else. Bank of America was very capable of providing that information, without XXXX requesting information on account # XXXX themselves. Why is a third party debt collector so interested in getting information on an account they don't own, Bank of America? BofA needs XXXX to respond about an account that isn't delinquent that had nothing to do with the actual complaint, why? How is it legal for BofA to just give anyone information about an account they have no reason to have information on? And the fact that XXXX filed a fake dispute on it, that I never did, because there is absolutely nothing to dispute. I am providing the actual dispute that is still sitting open. Along with proof XXXX has blocked me from accessing the statement, so I can not do the XXXX word statement I have a right to be able to do. Why is XXXX responding to a complaint on account # XXXX they do not have, instead of actually responding to the complaint on account # XXXX. XXXX is also 100 % aware that # XXXX is not the " second account '' I was referring to. This is being added before Bank of America comes up with more lies and fake documents.
Consumer complaint received 2024-07-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (OK)

I am trying to make payments on my student loan with Aidvantage. On XX/XX/XXXX I made a payment of {$140.00} which they processed and then said there was a payment reversal. This never showed up in my bank transactions. On XX/XX/XXXX I made a payment of {$420.00} and their website said this payment was received. The payment was never processed with my bank.
Consumer complaint received 2024-07-17
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: U.S. Auto Credit Corporation (GA)

This debit that is being reported to all three credit bureau 's is reporting inaccurate information as far as the amounts, and dates for the debit. It also looks like the original debit collator is showing different names as well.The date opened is XX/XX/XXXX how ever XXXX reports it is closed and account has been charged off {$6000.00} written off XXXX past. due as of XX/XX/XXXX, status updated as of XX/XX/XXXX last payment showing XX/XX/XXXX and balance updated XXXX XXXX. XXXX shows as Auto Credit, with a charge off status updated on XX/XX/XXXX in the amount of XXXX balance was last updated XXXX XXXX. XXXX shows as US Auto CR shows closed and charged off as bad debit with a status update on XX/XX/XXXX in the amount of XXXX with a balance update on XXXX XXXX.
Consumer complaint received 2024-07-17
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have been trying to probate a home for a little girl is was XXXX  when her mother died. 
This house is all she had. I worked for 6 months to get access to the mortgage. Fully documented. 
BoA went aggressively after this property for foreclose. Even though the decedent was in the process of rewriting the loan terms. 
Literally two weeks at she died, papers showed up. 
During probate they would not stop the foreclosure activity. 
Only through the grace of XXXX a relative was able to help legally, as he is a XXXX XXXX XXXX. 
I saved the house from bankruptcy just in time, covered all fees out of pocket and we avoided the proceding at the local level only by calling the Sheriff, as BoA of, and it's representatives, XXXX XXXX , Manager, Foreclosure Operations , XXXX XXXX  XXXX . 
As we sit today, I am owed funds from the XXXX foreclosure proceedings or proof funds were absorbed by their balloon fees to pay off the loan.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-07-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have more in for on my previous boa cases Bank of America funny how they took my account bonus and. Deposit in the day of the day they closed qlll my accounts and hid transaction I have printed by them that they went back in my account and adjusted and changed ammounts
Consumer complaint received 2024-07-19
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Paramount GR Holdings, LLC (TX)

I was initially interested in solar panels. The sales rep came out and gave us the initial design plan with an offset that would cover almost my entire electric bill. The day of installation, I noticed the panels were not in the place of the original design. I immediately messaged my sales rep ( which I still have the text conversation ) asking him about the changes affecting the offset. He acted XXXX like he didn.t know there where changes. I specifically asked him in that message why we were not notified of any changes. Solar panels then get cut on, and he finally makes his way to our house to see where the panels were placed. He offered to compensate some money for the misplaced panels. Weeks go by and never received the money or contact from him. I ended up having to contact multiple company.s to find out that he was no longer employed. Once going through all my documents, I find documents where they forged my signature through a XXXX on the plan changes that we were not notified about. The loan is through good leap who is refusing to help me, along with XXXX saying I signed and agreed to this. On the contract that is forged there is a delivery receipt that shows the email it was sent to to be signed as well as the Ip Address. I have my XXXX signings with my ip address with documents sent to me. They do not match what they have. This has affected my credit and come to find out today they have filed a XXXX on my business which has nothing to do with the solar panels. This has completely ruined things for my life as well as my business. I have looked over the contract that they have on the account and there is a space where they can be liable to me for damages or losses caused by NEGLIGENCE OR WILLFUL MISCONDUCT, which they have done!
Consumer complaint received 2024-07-15
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Maximus Federal Services, Inc. (NY)

In XXXX at the start of my semester at XXXX XXXX I was told by one of the receptionist in the financial aid office that my costs and courses was paid off by the loan plus the federal XXXX XXXX. Then by the time at the end of the semester to make new classes I saw there was a hold in my account something didn't seem right so I went to the financial aid office and I met with a different receptionist to check my account status I was told by this other receptionist that everything including courses and tuition fees were not paid off entirely it seems. And I had to cut some of my classes because I was trying to find at least some type of income and struggling to study and make it to XXXX XXXX at the same time. I didn't have much money to take the bus all the time sometimes I had to walk home from XXXX and I don't have much of a support system at all. I just want to continue my education and I'm trying to transfer back to XXXX XXXX XXXX but the Students Acount Office In XXXX XXXX won't let go of my unofficial transcript and I told them I don't have much of a steady income money to pay off the {$200.00} dollar debt agreement in XX/XX/XXXX.
Consumer complaint received 2024-10-29
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Healthcare Finance Direct LLC. (AZ)

I revoked authorization to charge my bank account a week prior to the payment being due and was charged anyway. When I addressed with the company, they acknowledged that they were wrong but have yet to issue my refund. They continue to stall and I have yet to receive my refund over 2 months later.