davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

My husband and joint owner of the Bank of America checking account ending in XXXX was given 2 checks by 2 different people. Check # 1was for {$600.00} and check # 2 was {$710.00}. I was first told by Bank of America at the XXXX XXXX in Md that because we didn't have the amount of the deposit in the account the checks could not be cashed. At approximately XXXX I spoke to branch XXXX XXXX and she advised me to deposit the checks and that at midnight it would be clear. This was a total inconvenience. My husband tried to cash checks at XXXX XXXX and was not able to because unbeknown to him his driver 's licensed expires on his birthday ( XX/XX/XXXX ). Ok so surely we thought we thought our bank Bank of America would at least cash the certified bank check for {$710.00}. I was able to get a temporary {$200.00} credit after being on the phone with customer service and demanding a supervisor on the evening of the XXXX. I was sent emails later on XX/XX/XXXX after making the deposit stating that BOA had placed holds on both checks and funds won't be available until XX/XX/XXXX. Now this is unacceptable because the check for {$710.00} is a cashier 's check... it's certified funds which means that the issuer of the check paid XXXX XXXX a fee and the {$710.00} was debited from the issuer 's account so funds are available. I have checked my account and as of XXXX XX/XX/XXXX funds are still not available. I called and spoke to BOA XXXX XXXX who told me that hold can not be removed from the certified check and it went thru the clearing house and hold is on til XX/XX/XXXX and will be available at XXXX on XX/XX/XXXX. He stated that this was from the Federal Reserve Regulation XXXX. I asked XXXX XXXX how fair is this when issuer paid for the certified check. He took my complaint and said he would give it to the BOA Complaints department. Complaint # XXXX I feel that the banks are fleecing the consumer with these fees for certified checks that really are not considered or handled as certified.
Consumer complaint received 2024-08-04
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capio Partners, LLC (NC)

Okay over XXXX years ago I had a medical debt put on for collection for over {$2000.00}. But a few months aga they started disappearing and then a month late a different XXXX popped up for over a XXXX dollars but it had restarted the XXXX year thing where it goes of your credit and I was able to get it removed but the a different XXXX popped up and was for the remaining balance from the {$2000.00} and it was around {$980.00} but once again they have restarted the date to when it will go off report.
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN credit reporting agency, block 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 a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries 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 accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-08-16
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Earnest Inc. (WI)

I reached out to Earnest by email and phone call in regards to their process in discharging private loans on XX/XX/XXXX and XXXX of XXXX. I attended the XXXX XXXX XXXX XXXX and XXXX also known as XXXX XXXX XXXX from XXXX. Same school two different names were listed in the lawsuit Sweet vs Cardona. The Department of Education approved my borrower 's defense application agreeing in the misconduct and misrepresentation of the school. Earnest will not discharge the private loan due to a refinance of the private loan because the funds were not used directly in attendance to the school. I am challenging this decision based on discrimination and my good faith efforts in keeping the loan current for the life of the loan which originated in XXXX with XXXX XXXX. The purpose of the refinance was to lower the interest rate and release the cosigner. XXXX XXXX later sold off to XXXX who held the loan up until XXXX when I refinanced to their parent company Earnest. Any loan originating from XXXX probably has changed hands once or twice so the basis of the funds not being used directly toward the attendance would be an inaccurate reason to be disqualified. What private loan has ever stayed with the original lender, refinance or not? Additionally, when the email was returned from Earnest the phone number listed on the email to call for further questions goes back to XXXX not Earnest. They are one in the same lenders so the funds didn't go from one lender to the next, the funds stayed within did they not? Then why does XXXX have a phone number listed when it should be Earnest? I found this out when I called the number ( XXXX ) and reached a XXXX who had to transfer me to Earnest because her supervisor and her had no information and couldn't help. I then spoke to a XXXX who I requested to escalate the issue as everyone said since it was a refinance I wouldn't qualify for a discharge. To be penalized on doing the right thing and trying to refinance only to later find out a refinance would hurt me, or many others as discussed when new rules were all of a sudden given do all the news about student loan forgiveness and discharge. Of course loop holes would be a given. Especially when interests rates sky rocketed what were we as consumers suppose to do. XXXX also developing and kept a discharge program quiet is very uncouth. Considering they've already faced multiple complaints against providing unaffordable loan payments which I'm sure I've fallen victim to as well.
Consumer complaint received 2024-08-14
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA (CA)

Back in XX/XX/2024, I applied for a loan consolidation through the us department of education. Before I submitted my loans for consolidation, my loans were already in an income driven repayment plan. As part of the loan consolidation application, I requested an income driven repayment plan ( save ). It took my loan servicer, MOHELA, about two months to consolidate my loans. In the month of XXXX I get bill from MOHELA to submit a payment. I looked at my account, and noticed that my loans were placed in a standard repayment plan, rather than an income driven repayment plan. I called MOHELA and they mentioned that I had to submit another income driven repayment plan. I submitted another income driven repayment plan in XXXX as mentioned. In XXXX all income driven repayments were put on pause, due to ongoing litigation. I called MOHELA to request an update on my loans being placed in the correct repayment plan and they mentioned they would not honor the income driven repayment request due to ongoing litigation. I dont think that is fair given that 1 ) I was already in an income driven repayment plan 2 ) I requested as part of my loan consolidation process to be placed in a income driven repayment plan.
Consumer complaint received 2024-08-15
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: W&A Intermediate Co., LLC (MO)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX XXXX XXXX XXXX credit reporting agency , block 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 WAKEFIELD & ASSOCIATES Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint # as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-08-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (IL)

On XX/XX/XXXX I went to a Citi bank branch to deposit a check that I received in the mail from my XXXX  taxes and I was advised my funds will be available XX/XX/XXXX on that day my account started it was blocked and when I called they stated they needed to verify the check. I called the tax company and they advised me on XX/XX/XXXX the check was verified and on XX/XX/XXXX they stated the bank received the funds and Citi bank advised me they close me account and kept hanging up on me when I asked for my funds.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

ACTUALLY AFTER READING THE FULL LETTER THAT CAPITAL ONE PROVIDED I AM NOT HAPPY WITH THE RESULTS. AFTER READING THROUHGHOUGLY. IT SAYS THEY ARE NOT GOING TO TAKE OFF THE NEGATIVE INFORMATION ON MY CREDIT. NOW XXXX. XXXX GOING TO TELL YOU LIKE THIS. XXXX NOT PAYING ON THESE CARDS NO MORE AND XXXX CANCELLING ALL FUTURE PAYMENTS AND AUTO DEBIT. I HAVE TOLD YOU ALL MORE THAN ONCE THAT XXXX XXXX AND XXXX AND YOU ALL HAVE NOT OFFERED ME ANY KIND OF ASSISTANCE BUT INSTEAD HAVE MY CREDIT KEEP DECLINING BECAUSE I CANT PAY ON THEM. ALSO AFTER THAT LAST INCIDENT THAT I WROTE ON HERE ABOUT. XXXX STILL NOT HAPPY WITH OUTCOME. SO SOMEONE AGAIN FROM THE XXXX OFFICE PLEASE CALL ME BECUASE XXXX XXXX XXXX AROUND WITH YOU ALL YOU ALL KEEP DROPPING MY CREDIT BECAUSE I CANT PAY AND HAVE MENTIONED THAT MORE THAN ONCE TO YOU ALL, THEN IN TURN STILL FILED COMPLAINTS ON YOU ALL.. NOW WHAT XXXX ASKING AS THAT YOU ALL REMOVED MY CREDIT CARDS FROM MY CREDIT REPORT BECAUSE YOU ALL ARE INACCURATELY REPOTING INFORMATION AND NOT HELPING ANY OF YOUR CUSTOMERS WHO MENTION THEY ARE HAVING FINANCIALY HARDSHIPS. GO PULL ALL MY CALLS AND EMAILS. I CAN NOT PAY YOU ALL. XXXX A XXXX AND NOT WORKING.. WHAT ALL DONT YOU GET. THINGS HAPPEN. AGAIN. AS OF THIS VERY MOMENT. XXXX CANCELLING ALL FUTURE PAYS ON BOTH CARDS ENDING IN XXXX AND THE XXXX CARD BECAUSE IT MEANS NOTHING IF I PAY A LITTLE A TIME. YOU ALL STILL RUIN MY CREDIT. DROPPING IT XXXX POINTS MONTHLY AND IVE REACHED OUT ... .JUST DELETE THESE PLEASE FROM MY CREDIT AS I HAVE READ THE LAST LETTER AND I DONT AGREE WITH IT. SO NO, REMOVE THEM FROM MY CREDIT NOW BOTH CARDS BECAUSE YOU ALL INACCURTELY REPORTED INFRMATION ON MY REPORTS FROM ALL BUREAUS AND IVE CALLED INTO YOU XXXX AND TOLD YOU MY SITURAITON. SO NOW XXXX NO LONGER GOING TO PAY ILL BE WAITING ON A CALL AND ILL DIPSUTE EVERYTHING THAT COMES MY WAY WITH THIS CAPITAL ONE XXXX.
Consumer complaint received 2024-08-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Wealthfront Corporation (OH)

My wife is an XXXX  from XXXX. I've had an account with Wealthfront for a year or so now and wanted to open a joint account with her, so we had to wait for her social security number to come through and for her visa to be approved. Once approved we started to open the account, and sent a picture of her permanent resident card with the letter attached to it showing the correct address, submitted a social security card with the letter with correct address attached to it, and have submitted a letter from her bank account with XXXX that shows her correct address on it, they are refusing to open the account and claim they can not open it unless I send them a copy of her bank statement showing the address. 

I feel they are discriminating because she is an XXXX, I've never seen any company let alone a bank refuse to verify someone's address with copies of literal federal documents, and a letter from her bank. I'm working on getting a copy of her statement to submit, but this is insanity. 

These are their requirements : XXXX ( Wealthfront Support ) XX/XX/year>, XXXX PDT Hi XXXX, Thanks for the email. You'll need to provide one of the below for address verification. 

Acceptable Address Verification Documents These can not be older than 3 months, must include dates, and must not be redacted : Residential utility bill Bank account statement Employers pay stub Insurance documentation Phone bill Mortgage statements The prior documents you've uploaded are not accepted documents for the address verification. 

She has no bills bc she has had no social, has no full time job, so can't provide a stub, has no insurance, so can't provide that, has no mortgage, so can't provide that, she could possibly get her phone bill, but it is paid yearly through XXXX XXXX. so the only option is a bank statement. 
This process leaves XXXX  with very few options to verify and open bank accounts.
Consumer complaint received 2024-08-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Sombrero Capital LLC (FL)

I have a mortgage company through the XXXX XXXX XXXX XXXX. I was approved for a Covid forbearance with my mortgage company. I was approved for three months and then an additional three months. And I was in the process of getting my mortgage assessed again for an additional three months. In that timeframe, my mortgage company was switched. When I originally did the forbearance, I was informed that I can have The amount that I had to pay back placed at the end of my loan. The company that was switched told me that I have to pay back all the amount or I will be placed in foreclosure. Explained that I did not have the money at the time and I can do a repayment plan. So I was placed on a repayment plan prior to the Covid forbearance I never missed one payment on my mortgage. My mortgage was always on time. Since I started the repayment plan, I have never missed a payment. The current mortgage company calls every day to tell me that I am late on my mortgage. They send me letters in the mail and they are charging me late fees and additional they are charging me certified delinquency letters as fees on my account. I have reached out to the mortgage company previously and they said it was their mistake so they claimed they removed the late fees. I continue to get late fees and I reached out to them again and nothing has been done. I reached out to XXXXXXXX XXXX XXXX and nothing has been done. I explain to them since I was I was not supposed to be charged late fees. Please I can use some assistance. Im not sure where to go because I continue to get late fees and additional fees.
Consumer complaint received 2024-08-13
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (NY)

The company attempted to collect in court, then waived judgement and then submitted the request for arrears, late, atty, filing and warrant fees through a collection agency for the amount of {$8300.00}. Our housing advocate worked with the attorney for XXXX XXXX, XXXX XXXX XXXX, XXXX who in an email to XXXX XXXX dated XX/XX/XXXX stated that by waiving the judgement prevents having to raise a defense as well as prevents a judgement from being filed for all the world to see but doesn't preclude the landlord from acting on the contract or putting someone into collections. The company ( XXXX XXXX ) reported that rent was owed from XXXX totaling {$6100.00}. It was reported to the company that canceled checks supporting payment of those alleged months were available, ( cashier 's check # XXXX - amount {$4000.00} covered XXXX, personal check # XXXX, {$1000.00} for XX/XX/XXXX, ck # XXXX, {$1000.00} for XX/XX/XXXX, ck # XXXX, {$1000.00} for XX/XX/XXXX and ck # XXXX, {$1000.00} for XX/XX/XXXX. the company 's collection XXXX XXXX XXXX informed us that the account was now with XXXX XXXX XXXX. I spoke with a representative from the collection agency, XXXX XXXX extension ( XXXX ) several times and called back when advise only to hear that the resolution department was still working on the dispute, and nothing was noted as of date. The documentation was sent certified mailed receipt and signed by an IQ representative. I also disputed and submitted backup documentation with all 3-credit reporting bureaus. No one has been interested in getting to the truth or acting on the proof of payment. I was the co-signer ; however, he was approved for NYS Emergency Rental Assistance Program ( ERAP ) application XXXX which because of poor bookkeeping and miscommunications did receive payment as well but had to return because of an overpayment of funds. Uploaded copies of checks disputing the charges has been made available and are still available, but no one is listening and both parties still place their mistake into court, involved attorneys and collections without taking a moment to look at the proof. I'm not sure how we got here but we are and XXXX XXXX, XXXX XXXX ( XXXX XXXX ) and IQ Data are not open to correcting or rectifying this mistake.
Consumer complaint received 2024-04-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (FL)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-08-04
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. (WA)

I have on multiple occasions disputed a XXXX XXXX XXXX XXXX REPORT ON MY CREDIT FILE. 

XXXX continues to hold me accountable for fraudulent transactions on a bank account I opened in XXXX. Within two months my account was closed after my debit card was stolen out of the mail. Someone rented a XXXX XXXX and made fraud check deposits and withdrawals at an atm. I disputed this activity and requested an investigation. 
XXXX, instead turned me into collections. 
Experian, dispute numerous disputes filed, identity theft. Gov and police reports provided, continues to keep reporting this derogatory fraud account from XXXX. 

In addition, I am in THE STATE OF WASHINGTONS ADDRESS CONFIDENTIALITY PROGRAM and have only a po box for mailing. 
The credit agencies keep posting my physical address on my credit file putting me in danger. Ive expressed the need for it to be removed. While they did remove it. I have been receiving mail from all my creditors now addressed to my confidential address.
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

Im looking at my credit report and i notice something with the report that does not appear to be correct. I would like for you to investigate this account for complete accuracy. I believe that this is damaging to my credit and csausing me to be denied for credit. here is the account that i would to have investigated for accuracy, Account- XXXX XXXX - Acct # XXXX
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2024, I sent a debt validation request to XXXX XXXX XXXX via USPS Priority Mail ( tracking number XXXX XXXX XXXX XXXX XXXX XXXX ) concerning an account ending in XXXX XXXX originally from XXXXXXXX XXXX, with a balance of {$37000.00}. 

As required by 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXXXXXX was supposed to provide validation of the debt within 30 days. They have not responded to my request. 

I am now requesting the removal of this debt from my credit report under 15 U.S.C. 1692g ( b ), which mandates that a debt collector must cease collection efforts, including reporting to credit bureaus until the debt is validated.
Consumer complaint received 2018-05-19
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: BB&T CORPORATION (WA)

I noticed two hard copy pulled on my credit report without my consent one from XXXX XXXX, and another from a XXXX XXXX XXXX, on XX/XX/2018, that I did not give permission or consent to do. This dropped my score to XXXX, and I want this corrected, so my scores will be raised back to where it was or higher.