davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-22
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-16
Product: Mortgage — Home equity loan or line of credit (HELOC)
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: Real Time Group, Inc. (CA)

I am writing to urgently address a situation regarding my second loan with Real Time Resolution, who holds my second mortgage. Recently, I have been threatened with default by these investors, which has caused me considerable distress. 
I was under the impression that my second mortgage had been settled years ago, as I ceased receiving monthly statements and assumed the loans had been " charged off. '' However, upon reaching equity in my home, I began receiving statements from Real Time Resolution, indicating an outstanding amount of approximately {$96000.00}. This was surprising, as the original loan value in XXXX was around {$50000.00}, with a significant portion attributed to interest. 
In XXXX, I received a foreclosure notice giving me only 30 days to respond. Despite engaging an attorney, no action was taken to prevent the investor 's actions, forcing me into a temporary payment plan initially set at {$240.00} per month. By mid XXXX, this plan was renewed to increase my payments to {$360.00}. Now, despite my consistent payments as agreed upon, I have received a letter from their legal representatives with a delinquent balance, late fees, and legal charges totaling {$4600.00} as of XX/XX/XXXX. Because I have not been sending payments of {$620.00} monthly I have already provided proof, including bank statements and the signed temporary payment agreements, to demonstrate that I have been making payments diligently. However, I strongly believe that Real Time Resolution may be inflating the numbers unjustly. 
Given the seriousness of this situation, I am seeking your assistance in filing a formal complaint and initiating an investigation into Real Time Resolution 's practices. Your prompt attention to this matter would be greatly appreciated.
Consumer complaint received 2024-08-23
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Tower Loan of Mississippi, Inc. (LA)

Over the past few months I have been getting more than 5 or 6 calls per day from this company so much so that i was forced to pay a bill that i really couldnt afford to, only to be called later on that same day ( XX/XX/XXXX ) for additional payments. The calls are frequent and often throughout the day and even on weekends and sometimes back-to -back. This comes after i give them a date when i can pay again. They are trying to force me to pay by constantly harrassing me. But even after making a payment the calls dont stop not even for a day. Im sure these practices are illegal and i want action taken. I asked that they stop calling, and even blocked the number but the began calling from private numbers. This needs to stop. Now.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BMW Financial Services NA, LLC (NY)

Upon the return of my lease BMW extorted me by threatening to charge me {$750.00} if I did not have their dealer partner replace the brake fluid on the car before it was turned in. This car only had XXXX miles on it after XXXX years. The lease was for XXXX miles. The car did not need brake servicing, and this is when fluid is evacuated form the vehicle as part of the normal brake service. This was a totally unnecessary " service ''. I have never been asked in over XXXX  years of leasing cars from XXXX, XXXX, XXXX to " replace '' brake fluid as a service. I have also never been extorted by the automobile company with a threat of a {$750.00} penalty for not doing so at their dealership partner. 

I called BMW finance and customer service and was told this charge was removed. However, the {$300.00} I was extorted to pay for an erroneous repair was not. I told BMW XXXX that I would not pay the {$380.00} disposition fee unless they investigated my complaint about forcing me to do an unnecessary repair at their dealer and not giving me the option of having this accessed at another repair shop. I believe this to be a fraudulent business practice to force me to pay for unnecessary repairs with BMW dealers.
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (TN)

My account is with Citi bank. My credit report is showing that I have a maxed out balance of {$13000.00} when it was paid off in the month of XXXX. XXXX did not report the updated balance as paid in full since the last payment in XXXX. The last report was around XX/XX/year>. XXXX said that Citi bank did not report the paid balance. However, XXXX and XXXX shows the updated balance from XXXX. As a result, Citi bank reduced by Credit limit to {$2300.00} from a {$13000.00} limit. I called Citibank to investigate the incorrect balance reporting and the reduced limit and they still have not corrected this info.
Consumer complaint received 2019-04-04
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Northstar Location Services, LLC (NC)

Receiving repeated calls each day. The following list is just a portion of the recent calls received. They call and leave blank voicemails. Clogging my Voicemails with blank space. 
XX/XX/19- XXXX XXXX  XX/XX/19 : XXXX XXXX XX/XX/19- XXXX XXXX XX/XX/19 XXXX XXXX XX/XX/19-XXXX XXXXXXXX   XX/XX/19-XXXX XXXX  XX/XX/19- XXXX XXXX
Consumer complaint received 2024-08-10
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Avant Holding Company, Inc. (NY)

On XX/XX/year>, I sent Avant a billing error dispute in the amount of {$480.00}. As of today XX/XX/year>, Avant has not responded to the billing error. I also sent another billing error on XX/XX/year>, addressed to the XXXX because Avant sent me a bill charging late fees on the disputed amount. According to the law, Avant should not charge a late fee on a billing error. Avant has not responded to the billing error within 30 days. Avant is participating in deceptive acts and practices. I initially requested a consumer credit agreement for personal, family and household purposes. The billing statements are not in compliance with my initial credit order or the Credit Agreement. I have explained to Avant that I am a consumer, a natural person, the secondary party to the agreement who signed the Agreement on behalf of my principal and it appears that my signature has been misrepresented and I am now being treated as the debtor! I am the original creditor and I am the signer on behalf of my principal. I am the one that issued the value for my account and I have not been paid. I am the owner and title holder to the security account. I have priority interest which is not being acknowledged.
Consumer complaint received 2023-08-26
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (UT)

Hi! we have tried to resolve this issue with the conmenity bank over a charge with victoria secret account where it seems like they have created 2 accounts for my wife where only one should be active. However, even if the account was used the balanced was paid in full on XX/XX/2023, Payment in the amount of {$150.00} was made then and they told me that the actual late fee of {$30.00} was going to be credited back to the account as a courtesy one time a year. I said thanks and that we needed this account to be close. However, they never closed the account wanting me to call when some one can speak XXXX where it finally occured today XX/XX/2023, we talked to XXXX and XXXX that initially said his name was XXXX? here in this call, we rephrased the same XX/XX/XXXX chapter about the full payment applying to account one day late and that such late fee in accordance with the operator in the call, was suppossely be dropped, this last thing never ocurred and they keep on accruing late fee charges on the account that it no in use and that we ask and ask to close it. They are sustaining that such credit must be approved before they can apply the credit but it was preciously approved and now they are dennying it! I have talked to XXXX, and other several customer service people where no one seems to be able to help in resolving such confussion? we do not want this account open! we have other account with a Master card on same victoria secret that we are using and as a result of this misunderstanding, we want nothing to do with victoria secret. they sustained off course after the payment has gone thruogh that now they can not credit the late fee back and another month has gone through where now they have put the account to {$62.00} all in late fees base on a late fee that they never removed, Now! how can we allow this company to froce us to pay what we do not owe them? we never make a partial payment we make full payments everytime. Victoria Secret Conmenity Bank regular credit card. Note : They said that they will continuo to accrue late fees on it and that they are not seing such credit back in XX/XX/2023.
Consumer complaint received 2023-07-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Case # XXXX Claim # XXXX A check in the amount of {$2000.00} was fraudulently cashed on XX/XX/ from my account ending in XXXX. I contacted BOA in XXXXXXXX After repeated calls they assigned me case number XXXX. On XXXX XXXX XXXX I was told that they were unable to locate any information under the above-mentioned case number. They repeatedly told me that they can not open a claim unless we can verify the signatures on the check. They finally sent us a copy of check at the end of XX/XX/, which did not bear signatures of the payee and was not deposited into payees bank account. Finally, they opened a claim on XX/XX/ and assigned me claim number XXXX. They then asked us to request an affidavit, which we did and returned the affidavit to BOA. 

On XX/XX/, BOA sent me a letter stating that they can not process the claim because the claim was filed more than a year after the unauthorized transaction, which is incorrect. 

On XX/XX/, BOA sent me another letter stating that they can not process the claim because the claim was filed more than 60 days after the unauthorized transaction, which is incorrect. Call logs show that I contacted BOA well within the 60-day time-frame. 

BOA has yet to process my claim and credit my account for {$2000.00}. I have been getting a run around and keep getting transferred to different units. I have talked to reps from their main customer service department, claims department, digital fraud department, check fraud department, and official items department. 

Calls to BOA under personal account XX/XX/ from BOA branch XX/XX/ XXXX min call. Requested stop payment on bill pay check as the payee had notified me that they had not received the check. Rep put in a request for image of the check to be sent to me. 
XX/XX/ multiple calls, transferred to several different departments XX/XX/ call transferred to bill pay department Calls to BOA under business account XXXX  Again requested image of check as I had yet to receive it Calls to BOA 's Fraud Department XXXX  Spoke with customer service rep. Case reopened. 
XXXX  - Spoke with customer service rep. Gave him the dates of telephone calls to BOA. He reopened the case.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: MicroBilt / PRBC (formerly CL Verify) (CA)

Subject : Request for Security Freeze on Credit File I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). I attempted to make this request through your agency 's online portal, but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner. Below is the information necessary to process this request : Full Name : XXXX XXXX XXXX XXXX Current Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX Date of Birth : XX/XX/1967 Social Security Number : XXXX
Consumer complaint received 2024-07-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (WV)

I file this fourth CFPB complaint to request that the Completed investigation of FCRA dispute - consumer disagrees in the " comment '' section of my student loan on my XXXX credit report be removed. I have filed three complaints against MOHELA with the CFPB regarding this issue to no avail. MOHELA has repeatedly assured me that the issue will be rectified. Those assurances ring hollow. I have attached my XXXX credit report, dated XX/XX/year>, which reflects the information MOHELA furnished XXXX as of XX/XX/year>. Please see page seven of the report. I obtained my XXXX credit report directly from XXXX itself, rather than a third-party app such as XXXX XXXX . Again, MOHELA has repeatedly assured me that a request would be submitted to XXXX to remove the comment, but I have yet to see any progress. The comment still remains! This is entirely unacceptable. I am unfamiliar with the dispute which MOHELA is referencing. I do not dispute the account information listed on my credit report. I would like this comment removed from my XXXX credit report. My ID is attached.
Consumer complaint received 2023-07-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NAVY FEDERAL CREDIT UNION (MD)

I disputed two separate accounts with Navy Federal, on all three of my credit reports. I have sent Navy Federal and all three credit unions written notification, asking them to send back verification, and the original signature page showing these two accounts belong to me within 30 days. I have submitted these disputes multiple times over the last year and seven months. Navy Federal sold the car loan with out verification right before the retention date whats up and Ive asked the new company to send verification and I havent. The same thing has happened with the credit card that is still on my credit for {$6000.00} and it needs to be removed immediately because I have continuously disputed these accounts with Navy Federal asking for verification and they continuously verify the information through the automatic credit bureau system, and they never send me a signature page, the address it was attached to and a certified verification letter in written form, so I need for these two accounts to be removed from all three of my credit reports immediately.
Consumer complaint received 2024-08-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (GA)

On XX/XX/XXXX I went into my local bank to deposit my loan check of {$1000.00}. I also had {$250.00} cash I wanted to deposit into my account. The bank teller took my endorsed check and proceed to deposit it. She then took my cash and add it to this transaction. The next morning XX/XX/XXXX Tuesday went onto my online bank account and notice only my {$250.00} cash was deposited. I tried to call my local bank multiple times and it was no answer. So I proceeded to go up the branch to speak with someone in person. Two tellers tried to help me, but informed me it was nothing they can do and they would have to wait until the teller that made this error come in for the day. They also told me that they have already shipped out the check for the day so they were unable to scan the check why I was there. Later on that day I got a call from one of the tellers asking me to send a copy of my check receipt. I sent the receipt which included the total amount and check number. I also received a call from the teller that made the error and she apologized and told me that she contacted the facility that receives there check. She said she submitted a request to escalate this and they should receive the check by the end of the day and I will be credited real soon. Wed XX/XX/XXXX I checked my account and I didnt see any pending funds. So I called the local branch 4 times no answer. I then called customer service to speak with someone in corporate. I was transferred to there escalation team. They noted my account that they will investigate and told me they just heard about my case that day. They gave me a direct number to their team and that was it no further assistance with actually credited my account. Thursday XX/XX/XXXX I called the direct number twice no answer. Later that day I got a call from someone from the escalation team saying she was just assigned to my case and she is starting her investigation that day. I told her that this is unacceptable that 3 people have told me that they are investigating I just want my money now. She told me its nothing they can do now they will do their research. Today is Friday XX/XX/XXXX my money is still not in my account. I called the escalation team again and another just told me I have to be patient. I have been very patient. I called the local branch a few times no answer. I call one more time and connected with the teller that made the error. She apologized again and said the facility with the checks said they may can credit my account Monday of next week. But she confirmed she is not sure if they found my check yet. The lack of communication from branch for any updates is unacceptable. I had to call a millions times to even speak with someone and this problem is still not resolved. The was not professional on chase end and they did not follow procedure correctly. All of this and I still do not have my funds. Not happy.
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

Hello, I am writing to file a formal dispute against several creditors who have violated the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Equal Credit Opportunity Act ( ECOA ).

As per the details of my complaint, I have experienced severe financial hardships due to the unverified and inaccurate information that creditors have reported to consumer reporting agencies. The specific sections of the laws that may have been violated are as follows : Fair Credit Reporting Act ( FCRA ) Section 607 - Requirements for Consumer Reporting Agencies to Correct Inaccurate Information Section 610 - Conditions and Form of Disclosure to Consumers Section 611 - Procedure in Case of Disputed Accuracy Section 623 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies Section 626 - Disclosures to FBI for Counterintelligence Purposes Fair and Accurate Credit Transactions Act ( FACTA ) Section 612 - Disclosures to Consumers Section 613 - Timing of Dispute Investigations Section 614 - Consumer 's Right to Dispute Information Section 615 - Requirements for Reinvestigations Equal Credit Opportunity Act ( ECOA ) Section 703 - Prohibition Against Discrimination Section 704 - Regulations to Carry Out the Purposes of this Subchapter Furthermore, the creditors have listed several inaccurate and unverified addresses on my credit report, which is a direct violation of FCRA Section 607. Also my current address is XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, But bureau reported that I have many addresses like 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 XXXX XXXX. 

The creditors ' actions have severely impacted my life. I have been denied credit and loans due to the inaccurate information on my credit report, which has prevented me from purchasing a home or a vehicle. Additionally, it has caused me significant emotional distress, and I have been unable to sleep or concentrate on my work. 

Therefore, I am requesting that you enforce the legal provisions outlined above and ensure that the creditors remove all unverified accounts from my credit report. I would appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (SC)

When trying to apply for a small loan it always saying that it want impact on your credit score but it does and when I apply always says decline I have a good job with great income but most of the system always denied or decline my offer and even when I'm trying hard to get back on track sometimes we face hardship and some of the loan offer don't try to work with u instead they just mark u as a negative credit
Consumer complaint received 2022-06-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Zip Co US Inc. (VA)

Company offers payment extensions. When looking for a payment extension with customer service they have no call center to talk with someone. They ask you to go onto their website and chat with someone about processing the extension. When you do go online to chat the agents never complete your request for extension and they charge you {$7.00} in fees for each late payment. You would think they would have these chat agents complete the task in an ample amount of time but last week and week before I have requested payment extensions and the agents did not complete the task and I was charged multiple fees by Zip and my bank.