davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I decided to cancel my Bank of America credit card after they were unable to initiate a dispute for a fraudulent charge on my account. The following month, I called Bank of America to make a payment. During that call, I asked the representative if this would be my final payment or if there would be any remaining balance in the next billing cycle. The representative assured me that this would be my last payment and that no balance would carry over to the next statement. 

Unfortunately, this information was incorrect. The next month 's statement showed a balance of approximately {$8.00}, which I was unaware of until I noticed a 60-day late payment on my credit report. This significantly impacted my credit score. Despite multiple attempts to resolve this issue with Bank of America and the credit bureaus, including filing a dispute, I have been unable to rectify the situation. I have consistently been responsible with my credit cards, and it is frustrating that my credit score has been severely affected by an {$8.00} balance.
Consumer complaint received 2023-04-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I was approved for a loan modification in XX/XX/XXXX ( due to XXXX related income deficit ), and was approached by a lawyer to sign the paperwork, however I had a question about the proposed plan and I attempted to be in touch with the bank however the only option was through calling XXXX number and was provided with a generic answer and advised to wait for a call back from the senior team, which never occurred. The deadline had passed before I was able to sign due to unclarity on the offer, and while was reassured by the customer service I will be contacted by a senior officer from the bank, which never occurred so I had to call the XXXX number again and was instructed to file a new application which I did however that application was declined in XXXX ( after waiting for 6 months ), so applied again in XXXX and was just informed it was declined in XX/XX/XXXX. I am only asking the plan that was approved in XX/XX/XXXX being considered, but again tried calling the bank and was bouncing around by the XXXX number agents, and despite asking for a supervisor to call many time they have not called except for one time XX/XX/XXXX when they asked me to apply again. I am attaching a copy of the bank 's letters for each of those responses. The repeated miscommunications from the customer service team of the bank with no physical branches has been very challenging, and added a significant additional burden throughout this very stressful process without knowing the fate for our only residence, and while enduring financial difficulty.
Consumer complaint received 2024-09-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NV)

I opened a chase personal checking account and transferred founds onto it.

Chase closed my account a month later and never issued a cashier 's check with the remaining balance. 
Called the bank over 20+ times and all they said is the check is under investigation. I have been waiting for 7months since this happened.

My account had 4 transaction since I opened, impossible to take 7 months to check 4 transactions. 
Chase didn't give me any information why they closed my account and what they investigate about.
Consumer complaint received 2024-09-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: EdFinancial Services (CA)

I have been on the SAVE student loan repayment program with Edfinancial Services since XX/XX/XXXX. I was placed in an administrative forbearance on XX/XX/XXXX due to issues with the SAVE program, but received official documentation stating that my loan interest rates will be set to XXXX XXXX  during this time and interest will not accrue ( image attached of letter ). Since then, my loans have continued to accrue interest at their regular rates and my account interest rate is STILL not set to XXXX XXXX  ( image attached of my 4 loans with unchanged interest rates ). I have contacted Edfinancial over 20 times now to fix this issue through both email and phone and they constantly respond with a different answer that is not addressing my issue at hand. It has been frustrating and feels absolutely illegal for them to not be honoring their letter and claim that the administrative forbearance should not accrue interest during this time, yet still allowing my account to accrue interest.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2024-08-08
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

Complain is regarding unauthorized charges on Capital one credit card in result of stolen card. Police report was sent to Capital one with specific circumstances that cell phone confirming transactions notification also was stolen with credit cards. After this incident was open case/ claim with Capital one to recover all unauthorized charges but Capital one credit department declined it. The reason Capital one declined this case is they are not able to read my name XXXX XXXX from my Driver 's license pdf copy, after that I send copy of my Passport but Capital one doesn't not want to accept Passports as identification!?
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRUIST FINANCIAL CORPORATION (IN)

This company has violated my right to privacy, provided my private, nonpublic personal information to third parties, never conspicuously disclosed to me the consumer that my information would be shared, never conspicuously disclosed to me that i have the right and ability to opt out, never got permissible purpose nor my written or expressed instruction to furnish my consumer report in the first place. 
These are violations of 15 USC 1681 : Your company failed to obtain my permissible purpose or written instruction before furnishing my consumer report.

15 USC 6802-6805 : You violated my right to privacy by providing my non-public personal information to third parties without my conspicuous disclosure and opportunity to opt-out.

16 CFR 313 : You failed to conspicuously disclose to me that my information would be shared with third parties.

12 CFR 1016.7 : You failed to inform me of my right to opt-out of such information sharing. 
The Privacy Act of 1974 : Disclosing my personal information without my consent. 

This has caused so much damage and difficulty on my consumer report, financial reputation, my mental/emotional well being, my privacy, my family 's privacy safety and well being. 

Per the fcra, and the above laws, as a federally protected consumer, i am now opting out of any and all authorization i the consumer, may have given you, written, unwritten, verbal, nonverbal, or otherwise communicated.
Consumer complaint received 2024-05-22
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. (MI)

PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.
Consumer complaint received 2023-04-18
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. (FL)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to XXXX Credit bureaus the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means XXXX credit bureaus have NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$2100.00},
Consumer complaint received 2023-09-14
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: DISCOVER BANK (WI)

I had a Discover Card in my name for XXXX years, did not miss any payments. I paid either the minimum or just over it, for years. The company raised my interest rates, and then the amount owed each month, which I could not pay on a fixed income. I tried to have them reduce the amount owed each month back to the original payments, they quadrupled the amount, and won't stop calling me day and night. It is stressing my XXXX XXXX XXXX mother out completely, because they wont stop calling. I have talked to Discover reps several times, and they keep increasing the amount instead of reducing it. Please have them stop harassing me and my XXXX XXXX XXXX mother at our home. Thank you.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MS)

i sent usps certified mail letters on XXXX, to XXXX, XXXX, and experian for the reporting of the inaccurate and incomplete information on my credit report, which is a violation of 15v usc 1681e ( b ). I am requesting that they be deleted from my credit report within 15 days of receipt. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-14
Product: Checking or savings account — Savings account
Issue: Closing an account — Fees charged for closing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Please assist me in getting reimbursed. 

I was charged a {$25.00} maintenance fee in XX/XX/2024 against my checking account for a savings account because it ( savings account ) did not have the required balance. I thought I was ok because I had a direct deposit checking account, i.e., I thought other accounts were free. My mistake, no complaints. 

However, I sent a letter to Bank of America ( BOA ) on XX/XX/2024 requesting it to close the account ( I zeroed it out ). Subsequently, I received an email from BOA on XX/XX/2024 stating " We have closed your account ( XXXX ) as requested. '' Nevertheless, on XX/XX/2024 BOA charged me another {$25.00} maintenance fee for this account. Therefore, I sent them another letter dated XX/XX/2024 with attachments stating : " Per our XX/XX/2024 request ( Attachment XXXX ), you closed Advantage Savings account on XX/XX/2024 ( Attachment XXXX ). However, on XX/XX/2024 you charged {$25.00} to Bank of America Checking Account Number XXXX for this closed account ( Attachment XXXX ). 

Please refund this charge to Bank of America Account XXXX : XXXX  Account Holder : XXXX XXXX '' I received a letter dated XX/XX/2024 stating : " To verify your request to submit a refund of a service fee, a signed letter notarized by either a U.S. notary or the U.S. Embassy or Consulate must be submitted with your request. 

Please submit your request, along with a signed notarized letter, using the enclosed business reply envelope. Note : we can only accept documents in XXXX. '' This is nonsense. Clearly they have indicated the money is owed to me, I have sent them all documents verifying it's owed to me, and BOA has taken {$25.00} twice from my checking account so obviously it knows where to refund the money owed me. 

Could I get a notarized document, mail it, etc.? You bet, but why should I go through the trouble and cost ( see paragraph above )? 

BOA Case No. is XXXX Note - I have all the above documents, but did not include because they contain account numbers, etc. No problem providing if you need. 

Yours faithfully XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2023-09-14
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (LA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-07-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCB Management Services Inc. (NY)

XX/XX/year> NCB Management Services XXXX XXXX XXXX XXXX, PA XXXX To whom it may concern, I am writing to inform you that I have never received any correspondence from NCB Management Services regarding the debt associated with account number XXXX in the amount of {$7300.00}. This debt was originally owed to XXXX XXXX XXXX. I have no knowledge of this debt and do not believe it belongs to me. 

As a consumer, I am entitled to dispute this debt and request validation. However, I have not been given the opportunity to do so because I have not received any communication from your company. Additionally, I was not made aware that I have the right to dispute this debt. This is a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ).
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ONLINE Information Services, Inc. (SC)

I received a copy of my credit report to find the following items to be incorrect. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to my records the information your are reporting on this account is inaccurate. I demand that you remove these accounts from my credit report immediately. 

By the provisions of the Fair Credit Reporting Act of XXXX 15 U.S.C 1681 et seq., I demand that these items b reinvestiged and deleted from my credit record. Please send me the names and address of the companies that you contacted so I may follow up. 

Under The terms of section XXXX I of the Act you have 30 days from receipt of this information to verify this disputed information. In the event you fail to verify this data, of fail to respond to this request altogether, the disputed data must be deleted in its entirety.

Also, pursuant to 15 U.S.C. Section 1681 d of the act please notify me when the item have been deleted. 15 U.S.C 1692g,15 U.S.C 1681 I 1A
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Subject : Dispute of Bankruptcy Entry on Credit Report I am writing to formally dispute the bankruptcy entry on my credit report. This entry is inaccurate and is causing significant harm to my credit standing. 
Details of the Disputed Bankruptcy : Date of Bankruptcy Filing : [ Date of the bankruptcy filing on your report ] Court Name : [ Name of the court where the bankruptcy was filed ] Case Number : [ Bankruptcy case number, if available ] Reason for Dispute : The bankruptcy entry does not belong to me. 
Requested Action : I request that you investigate this matter and remove the inaccurate bankruptcy entry from my credit report. According to the Fair Credit Reporting Act ( FCRA ), you are required to conduct a reasonable investigation and correct any inaccurate information. 
Please provide a detailed description of the investigation process and the methods used to verify the accuracy of the disputed bankruptcy entry. I also request the following : 1. Verification Sources : Provide a list of all sources, including courts or public records, consulted during the investigation.

2. Documentation Reviewed : Detail any documentation or evidence reviewed to support the verification of the disputed bankruptcy.

3. Correction : If the investigation confirms the inaccuracy, promptly correct my credit report.

If you can not verify the accuracy of the disputed bankruptcy entry, it must be removed from my credit report.

I expect to receive a response within 30 days of your receipt of this letter, as mandated by the FCRA. Failure to address this dispute promptly and accurately will result in a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ) and the Attorney Generals office. I may also seek legal advice to ensure my rights are protected. 
Please send your response to the address listed above. Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CC : Consumer Financial Protection Bureau Attorney Generals Office
Consumer complaint received 2024-09-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (AZ)

Lender bought mortgage from XXXX XXXX XXXX in XX/XX/year>. After a review they articulated that the house needed flood insurance. Upon calling them I articularted the previous lender did not require flood insurance. They noted the discrepancy and took to reviewing the process as did I. After numerous calls over three months we mutually decided that the best course of acction was to place a private policy which I paid for and NewRez agreed. I reconfirmed that there was no policy placed on the property nor did I receive a policy from them. 

A few months ago I noticed {$1100.00} on my escrow and called the lender. They said it was a error and were to remove it. 4 separate calls have been made asking why it had not been removed and they changed the amount owed to reflect the escrow. Again I called and asked what was happening and a clerical error was the excuse. 

At this point I called the lender which may be the 20th time. I stopped autopayment and made a payment for the Principal and Interest and infomed them of this. I have done that three times manually now, I continue to receive late notices and called again. Over 170 emails or hours on the phone total ... Most of it on hold. The new story is they retroactively charged me lender based flood insurance from the day they acquired the mortgage and did not inform me at anytime even after asking. No resolution and they either hang up or leave me on hold. 

Simply they have changed their story and our now trying to charge interest and penalties and I am current with an XXXX credit score. 

Need them to issue credit for the charges and interest. I have done everything they have asked and now they are changing their story. No policy no insurance no coverage and revisionist history. I have enclosed mortgage statement in email and have good documentation on this. 

Resolution is to credit all escrow and fines back to me and ensure that my credit score is not damaged. 

I will pay mortgage for XXXX on XX/XX/XXXX early to maintain good faith tin the process as this provider has been impossible to deal with and former lender was excellent to deal with. 

This company is behaving as a predator to me and the family. They robocall and awake a XXXX XXXX XXXX with XXXX that we care for. This is unacceptable. 

Respectfully, XXXX XXXX, XXXX
Consumer complaint received 2022-09-14
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: WELLS FARGO & COMPANY (NY)

I applied for XXXX renters credit card with Wells Fargo Bank. They told me that they couldnt verified my identity. They told me to fax them my drivers license, passport, power bill, renters insurance, lease signed, and a utility bill which I sent XXXX XXXX  to them. They sent me back a reply they couldnt verify my identity and had promised me a renters credit line of {$50000.00} by XXXX for renters through Wells Fargo MasterCard. They scammed me and got all my information. When they receive the fax I paid XXXX XXXX to fax them they sent me a copy of the same exact letter as before. I did speak with them by phone as I called them to see if they received the fax. The guy told me it was in the process as received and approved
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION (OR)

I shouldn't be on a XXXX XXXX XXXX, the case was a XXXX XXXX, It a retaliation case from XXXX, that's longer than XXXX  years it shouldn't be still showing
Consumer complaint received 2023-03-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Early XXXX  there was a fraudulent account that was reported on my credit report from XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I later found out the company was hired by XXXX XXXX. I contacted XXXX to have the accounts removed. After 5 months of investigating it was determined that the account was indeed fraudulent. I received a letter from XXXX stating that they will have the account removed from my report. However XXXX XXXX XXXX did not remove the account, they just reported it as paid which is still having a negative impact on my report. I have tried to dispute the account with TransUnion over 3 times but they still keep coming back with the account being accurate. I have filed police reports, mailed proof of the accounts being fraudulent but they refuse to update my account. I would like to report these three companies. XXXX XXXX, TRANSUNION and XXXXXXXX XXXX XXXX