davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-04
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of america has been my bank primary for 5 years almost. They decided to " no longer do business '' after I deposited {$3900.00} in check form. The check was deposited a few days prior to the account closing XX/XX/XXXX for a total of {$4000.00} or so. 

The person I spoke to, spoke too quickly. 
I asked politely to speak slow so could understand. The phone was muted for about 2 minutes, then the person came back and said " goodbye, thank you for choosing bank of america customer service. '' As I was trying to understand the process they failed to explain. 

I haven't heard a single thing about where my cashiers check is or where it is going. 
I did not get any notification via email or text where it is/going. 

They informed me XX/XX/XXXX that the close date was XX/XX/XXXX officially. 

I could not speak to a person about the address they had on file. I'm not sure where the money is. I need to find out where I need to go.
Consumer complaint received 2017-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: AMERICAN EXPRESS COMPANY (CA)

I applied for a  XXXX   XXXX   XXXX  credit card in  XXXX   XXXX ,    2017 ( Ref  #  XXXX  ). I checked my application status online and also over the phone. My application status was " In progress '' for two weeks, until its status changed to  " Cancelled ''. American Express t hen asked for " a letter on original letterhead from your bank confirming your home address, including their title and signature. ''  American Express had  also asked for such a letter during a previous application in  XX/XX/XXXX , at that time I got a letter from the financial institution where I ban k (   XXXX   XXXX   XXXX   )  and I faxed it t o American Express ( fax num ber  XXXX  ).  American Express ac cepted the letter and approved my application.    So this time that American Express asked for the letter again, I faxed in the same letter, but they  kept not accepting the letter. I asked  XXXX   XXXX   XXXX  for an updated letter and faxed it again to   American Express, but they rejected the letter again without providing any reason. I am wondering why a letter that religiously meets all the criteria American Express requested, is being rejected for no reason.
Attached to this complaint there is a copy of the letter American Express sent to me asking for letter from my bank, along with the letter I got from my bank and sent to American Express.
Consumer complaint received 2017-05-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TX)

I am in need of assistance in straightening out my accounts with your organization. I have called multiple times and get the same answer yet my balance is not corrected! I keep getting told it will b e 5-7 b usiness days to fix the issue.its been nearly  2  weeks and my Stafford loan balance is still not correct. I made an extra {$700.00} payment to the  Stafford Loan  specifically and someone there arbitrarily decided to split the payment between the accounts!   XXXX   XXXX    XXXX  verified the payment was sent, yet the Stafford account is still today NOT showing the correct balance of {$1300.00}.   I noticed today a class action lawsuit is in the works regarding this same type of issue! This needs to be fixed and shouldnt take fifteen calls to your call center in the  XXXX  and the aggravatin g 3  minutes it takes just to connect to a live person!   PLEASE HELP!      XXXX   XXXX
Consumer complaint received 2017-05-05
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: EQUIFAX, INC. (TN)

This account was set up without my consent. It was  a student account. Th e charges and the account are fraud. I have been called and bothered enough with this account. I have tried to call and explain to them and even disputed it with Equifax and  XXXX .

  XXXX   XXXX   XXXX   XXXX   #  XXXX   
  XXXX   XXXX   XXXX   XXXX  , DE  XXXX 
( XXXX )  XXXX 
Date Opened:  XX/XX/XXXX 
Responsibility: Individual Account
Account Type: Revolving Account
Loan Type: CREDIT CARD
Date Updated:  XX/XX/XXXX 
Last Payment Made:  XX/XX/XXXX 
Pay Status: >Charged Off<
Terms: Paid Monthly
Date Closed:  XX/XX/XXXX 
>Maximum Delinquency of  120 d ays in  XX/XX/XXXX  and in
 XX/XX/XXXX <
High Balance: High balance of $  XXXX    from    XXXX   to  XX/XX/XXXX 
Credit Limit: Credit limit of $ XXXX  from  XX/XX/XXXX  to  XX/XX/XXXX 
Estimated month and year that this item will be removed:  XX/XX/XXXX 
 XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX    XXXX       XXXX    XXXX
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (DC)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from XXXX and Equifax. 

Please delete the following accounts : XXXX XXXX XXXX. Account number : XXXX Balance : {$14000.00} XXXX XXXXXXXX Account number : XXXX Balance : {$7500.00} XXXX Account number : XXXX Balance : {$10000.00}
Consumer complaint received 2017-05-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

This account was set up without my consent. It was a student account. The charges and the account are fraud. I have been called and bothered enough with this account. I have tried to call and explain to them and even disputed it with  XXXX  and TransUnion.

  XXXX   XXXX   XXXX   XXXX   # XXXX 
  XXXX   XXXX   XXXX   XXXX   DE  XXXX 
  XXXX   XXXX   
Date Opened:  XX/XX/XXXX 
Responsibility: Individual Account
Account Type: Revolving Account
Loan Type: CREDIT CARD
Date Updated:  XX/XX/XXXX 
Last Payment Made:  XX/XX/XXXX 
Pay Status: >Charged Off<
Terms: Paid Monthly
Date Closed:   XXXX   
>Maximum Delinquency of 120 days in   XXXX    and in
 XX/XX/XXXX <
High Balance: High balance of $ XXXX  from  XX/XX/XXXX  to  XX/XX/XXXX 
Credit Limit: Credit limit of $ XXXX  from  XX/XX/XXXX  to  XX/XX/XXXX 
Estimated month and year that this item will be removed:  XX/XX/XXXX 
 XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX    XXXX       XXXX   XXXX
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from XXXX, Equifax and XXXX. 

Please delete the following accounts : XXXX Account number : XXXX Balance : {$0.00} XXXX Account number : XXXX Balance : {$910.00} XXXX XXXX Account number : XXXX Balance : {$0.00} XXXX Account number : XXXX Balance : {$1100.00} XXXX XXXXXXXX Account number : XXXX Balance : {$1800.00} XXXX Account number : XXXX Balance : {$0.00} XXXX Account number : XXXX Balance : {$3100.00} XXXX Account number : XXXX Balance : {$490.00} XXXX XXXXXXXX Account number : XXXX Balance : {$540.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account number : XXXX Balance : {$1800.00} XXXX  Account number : XXXX Balance : {$1800.00}
Consumer complaint received 2023-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2023-06-01
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: EQUIFAX, INC. (TX)

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX OF XX/XX/XXXX
Consumer complaint received 2017-05-05
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mid-Minnesota Management Services, Inc. (MN)

In  XXXX , I was stuck on high deductible medical plan when my son   XXXX   XXXX   XXXX  . We incurred roughly {$3000.00} in expenses for multiple   XXXX  . Provider referred account to Collection Resources  XXXX   XXXX .  XXXX , Minnesota. I received a call on from them in the summer of  XXXX . We worked to resolve over time and I thought that we had, however, their understanding of resolution was not the same as mine and I received a bank account debit in the amount of {$2400.00} on  XXXX   XXXX ,  XXXX  without warning or notification. I contacted the firm and asked to resolve in a manner that would not overdraw my account, mean that I am unable to pay for planned car repairs which will impact my ability to get to work and also require juggling of payments and accounts to avoid missing other payments ( such as mortgage ). I was told that they would not negotiate on this and were going to keep my money. My complaints with the firm   : 1. Was told during phone call by representative that they would be unable to enter into a payment arrangement that did not include accounting for payment of balance in full within a fixed time.
2. I was forced to be evasive about ability to pay as a result of # 1 above and veiled threats connected to it. Event  ually, we agreed to a plan in which I would pay {$40.00} per month and make a final payment in full in  XXXX ,  XXXX . During that call the representative listed all of the debit dates but ended that series and mentioned a " final payment '' rather than another debit on  XXXX   XXXX ,  XXXX . It was my understanding that the " final payment '' was to be made by me or at least agreed upon with some warning. Not that I was committing to them debiting my account on a future date for an amount that is greater than my house payment.     3. Even had I agreed to such a payment ( which I firmly believe that I did not ), I do not believe that debiting a large amount without advance notice ... and not a recurring monthly amount ... is not ethical. Had I assented to this debit ( which I did not ), CR was attempting to prey and the fact that I had forgotten. They got the money and ran. A simple {$1.00} letter reminding me that they thought that I had agreed to pay {$2500.00} to them at a time when it would be clear to me would have avoided any confusion, however, this was clearly an attempt to grab money without the knowledge or informed consent of their victim.
Consumer complaint received 2017-05-05
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: DISCOVER BANK (TN)

This account was set up without my consent. It was a student account. The charges and the account are fraud. I have been called and bothered enough with this account. I have tried to call and explain to them and even disputed it with   XXXX   and  XXXX .

DISCOVER FINCL SVC LLC # XXXX 
  XXXX   XXXX   XXXX    XXXX , DE  XXXX 
  XXXX   XXXX  
Date Opened:   XXXX  
Responsibility: Individual Account
Account Type: Revolving Account
Loan Type: CREDIT CARD
Date Updated:   XXXX   
Last Payment Made:   XXXX   Pay Status: >Charged Off<
Terms: Paid Monthly
Date Closed:   XXXX  
>Maximum Delinquency of 120 days in   XXXX   and in
 XX/XX/XXXX <
High Balance: High balance of   XXXX   from   XXXX   to  XX/XX/XXXX 
Credit Limit: Credit limit of   XXXX   from   XXXX   to   XXXX  
Estimated month and year that this item will be removed:  XX/XX/XXXX 
  XXXX     XXXX    XX/XX/XXXX    XXXX    XX/XX/XXXX  1
Consumer complaint received 2017-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

This account was my second mortgage. It has been paid in full; however, the lien holder states that the payments were late. I went through a Deed in Lieu with this mortgage company and the payments were slowed because of that. Please have all late dates and times removed from my   XXXX   and TransUnion reports.

  XXXX   XXXX   XXXX   XXXX   #  XXXX   XXXX     XXXX   XXXX   XXXX   XXXX  , VA  XXXX 
  XXXX   XXXX  
Date Opened:  XX/XX/XXXX 
Responsibility: Individual Account
Account Type: Mortgage Account
Loan Type: SECOND
MORTGAGE
Date Updated:   XXXX   
Payment Received:   XXXX   Last Payment Made:  XX/XX/XXXX 
Original ChargeOff:   XXXX   
Pay Status: >Account paid in Full; was
a Charge-off<
Terms:  XXXX  per month, paid
Monthly for 180 months
Date Closed:  XX/XX/XXXX 
>Maximum Delinquency of 120 days in  XX/XX/XXXX  and in   XXXX   for   XXXX  <
High Balance: High balance of  XXXX  from   XXXX    to    XXXX  ;   XXXX   from  XX/XX/XXXX  to   XXXX  
Estimated month and year that this item will be removed:   XXXX  
 XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX    XXXX    XX/XX/XXXX    XXXX     XXXX       XXXX    XX/XX/XXXX   XX/XX/XXXX
Consumer complaint received 2017-05-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

I applied for a short sale back in   XXXX   XXXX     with  Wells Fargo Home  Mortgage. I was told that the turn around time wa s 1 week for docs to be reviewed. It has taken them 3 to 4 weeks to review documentatio n, each time requesting something else. I explained that I was trying to keep the payments up on this house and needed to close as soon as possible. My point of contact with  Wells ne ver reached out to me. I spoke to him  two times  and it was due to me initiating the call. I have spoken to managers and been given different answers concerning the short sale approval. I was told that the loan needed to go to HUD for approval due to the appraisal coming in low as compared to what is owed on the loan. However the initial appraisal was obtained in the end of   XXXX   the beginning of   XXXX   so why would it take until  XXXX  for the loan to go to HUD for a variance. I was just told today that the loan went back to HUD for another variance. I have been in communication with the  executive o ffice and was told I should have an answer no later than this week. So far no one seems to know, understand or care about what the dela y ( s ) a re or have been. Since I am used up my tax refund to keep up with the mortgage, I am now late. From   XXXX   until now I was on time. It seems like they want me to loose my home. I spoke with   XXXX   XXXX   today and it appears as though the previous note s may have b een removed as he does not seem to have evidence that the loan went to HUD in  XXXX  for a variance. However, I have a ticket number for the original variance with HUD and that number is  XXXX  evidencing HUD approved the Variance. Please assist in researching the matter as I do not want to loose my home.
Consumer complaint received 2017-05-05
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Maury Cobb, Attorney at Law, LLC (WI)

I received multiple calls from differing numbers. I called back  XXXX   XXXX    XXXX   and asked them to send their request in writing to the address they have on file and I would follow up after receiving it. The operator tried to bully me into giving my current home address over the phone and when I refused the fourth time, she said " well, I hope for your sake the address we have is the right one '' and hung up.     This morning I received a call from a different number. When I explained that I have already requested their claim in writing to the address on file, she said " that 's not how we do things, and when you feel like identifying yourself, call us back. '' The calls requiring I divulge private information ( including my social security number ) before providing enough information to verify the validity of the claim, especially when made repeatedly from differing phone numbers, and even more so after my request for proper verification, are harassment.
Consumer complaint received 2017-05-05
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Notice and Demand for Payment  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  #  XXXX   XXXX , FLORIDA  XXXX  BANK OF AMERICA  XXXX   XXXX   XXXX   XXXX , TEXAS  XXXX   XXXX / XXXX /  XXXX   VIA : Certified Mail #  XXXX  Re :  XXXX  CREDIT REPORT #  XXXX  (  13 ) UNAUTHORIZED INQUIRIE ( S ) Consider this notice that you have 30 days to respond point by point and with validation exactly according to the points in the attached validation letter or this stands as evidence in law that no   debt is due to you.     Further, as a Consumer and since BANK OF AMERICA did not have my consent or authorization to view my personal property, your actions were intentional, harmed and injured my person to the value of the debt that is invalidated on my persons credit report, the {$1000.00} fine value for the FDCPA violation and the {$1000.00} fine value for the FCRA violation. That makes the total due upon receipt of {$1000.00}. A notice of lien will be recorded against any and all assets both personal and business to recoup this amount due upon receipt, {$1000.00}.         BY :  XXXX   XXXX   XXXX  XXXX  XXXX
Consumer complaint received 2017-05-05
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 — Investigation took more than 30 days
Company: Lending Club Corp (CA)

XXXX   XXXX   did n't replying in a timely manner to my initial letters, or have they to date after  4 c ertified, mail request, they have not only violated federal law, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.     I made numerous goodwill attempt to have them clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in there reporting.   I kept a careful record of my communications with them for the purpose of filing a complaint with the FTC and the Attorney Generals office, they still continued non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind them that they  may be liable for your willful non-compliance, as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] As they have violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, they must now remove the item. Any other action (  or in-action ) on their behalf has resulted in a small claims action against their company in   XXXX   XXXX  .     As well they did not place on my credit report that I was disputing the account.     I also am filing lawsuit against  XXXX ,  XXXX   &   XXXX  for not investigating nor responding to me as well, and taking no action when   XXXX   XXXX   did not reply.
Consumer complaint received 2017-05-05
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (VA)

XXXX XXXX dob XX/XX/XXXX SS # XXXX XX/XX/XXXX XXXX, XXXX and Experian will not investigate my unauthorized inquires on my report. They will not validate the inquires and they continue to ignore my request to deleted the unauthorized inquires. It has been over 60 days and by law they must deleted them all. all they do is say validated with no proof!!!!! who validated them give me a name and date and phone number of the person.
XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX- - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX - - XXXX XXXX XXXX XX/XX/XXXX Delete all my unauthorized inquires from my credit report