davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CapitalJ Inc. dba Juno (CA)

I bank with Juno financial. My account as well as everyone elses account has been frozen for 3 days. We are not able to access our accounts, make withdrawals, make payments, or have any way to move our funds. This has caused all my bills to be unpaid and late and Im resorting to having to use only credit cards to get by. No info so far on when this will be resolved. This is causing financial hardship as well as stress and XXXX. My credit will also take a hit from late bills and payments.
Consumer complaint received 2024-01-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

My phone got stolen in XXXX XX/XX/XXXX. Somehow they got into my phone, change passwords, email, used the saved passwords and logged into my bank account. Transfer money, used my credit cards, XXXX etc. All the other financial companies agreed that I was victim of fraud, even my other bank, blocked my account because they didnt recognize the location where it was processed. I sent to Bank of America police reports, cancellations of that trip, XXXX evidence of fraud, XXXX XXXX evidence of fraud, insurance company replacing my phone, XXXX customer service email with the XXXX recovery process etc and many more thing.
Consumer complaint received 2024-05-14
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: NEW YORK COMMUNITY BANCORP INC (OR)

XXXX ) lost job and was put on a plan by Flagstar Morgage XX/XX/XXXX, and was told it would not effect my credit score, nor would it be reported. This was to be through XX/XX/XXXX. 
XXXX ) called multiple times between XXXX to make sure I was still ok with the plan, and to make sure I was good through XX/XX/XXXX. Was told it would not affect my credit and that I needed to fill out another application on line, was told another time that was wrong information and I didnt need to fill out another application, and to resume payment in XXXX. Was told again this wont affect my credit. 
XXXX ) made payment to Flagstar for Morgage through my bill pay to resume payment for XXXX, and check was returned by Flagstar. 
XXXX ) called Flagstar shortly after realizing check was returned and was told they cant accept payment now and that this indeed does affect credit and they are not sure why I was told that. Asked to speak to XXXX named XXXX and she said thats not correct and told me shes sending in for a rushed review to be evaluated for forbearance, and she took my XXXX payment. 
XXXX ) My credit score dropped XXXX points because Flagstar reported delinquency. 
XXXX ) XXXX called and spoke to XXXX and she was in communication with XXXX who me agreed it was an accidental report to credit on there end, and that it says in fine print for the duration of that time XXXX me being on a loss mitigation plan would not be reported to credit. I was told by XXXX that they are going to fight this and it was accident. I was told I would receive a letter in the mail stating this in case I needed for proof. Was told XXXX would give me a call back, never did I hear from her. 
XXXX ) I called multiple times for my point of contact during this process and never heard a thing XXXX ) XX/XX/XXXX was told by another XXXX XXXX that the credit report dispute was denied due to no payment in XXXX. My XXXX payment was denied.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I do not recognize these credit inquiries, and I've asked them to be removed, but the bureaus did not do anything. Please remove the credit inquiries because they are inaccurate and not mine. Thank you. 
These were not authorized. 

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 XXXXXX/XX/XXXX
Consumer complaint received 2023-06-05
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. (GA)

I recently checked my credit report and I noticed numerous inaccurate information on my credit report I noticed inaccurate unauthorized inquires and inaccurate accounts please see the attachments listed in this complaint
Consumer complaint received 2024-05-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I opened a checking account with Bank of america in XX/XX/XXXX with direct deposit! Met requirements for new customer promotion I never received it! I XXXX XXXX XXXX XXXX around XXXX XXXXand didn't deposit for several months except for trying to Pay the service fees when i could to keep it open! Around about XX/XX/XXXX I went back to work bank of america said my account was closed so I opened another one and let them know about not getting the new customer bonus they said they would put the offer in for this account! After about a couple months I noticed on the app that the other account was still opened and they was charging me a service charge and it was in the negative! I had a meeting with them and didn't know how it happened but they resolved it and closed it! I mentioned the bonus again because I had already met the qualifications and they first said I wasn't eligible because I had opened two accounts but I explained that I wouldn't have opened another account if they wouldn't have told me the other was closed so they said I had met the qualifications! And I would get it in a few months! Now there back to saying I want get it because I opened up another account!
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MO)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under trafficking according to XXXX 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 have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-05-14
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (MD)

Many students, including myself, were misled by XXXX into securing predatory private loans to fund education at for-profit online institutions, such as ( your School Here ). I attended from XXXX to XXXX with an original principal loan amount of XXXX. Despite having paid XXXX towards these loans, my current balance stands at XXXX due to an exorbitant interest rate, which currently is 14.875 %. 
Notably, XXXX XXXX XXXX and their parent company, XXXX, were subject to investigations by various state attorneys general and found to have engaged in deceptive practices. In response to widespread allegations of fraud and misconduct by XXXX XXXXXXXX XXXX, the Biden administration recently announced a comprehensive loan discharge for students enrolled at these institutions from XX/XX/XXXX, to XX/XX/XXXX. This led to the discharge of my federal loans totaling {$46000.00} and the restoration of my credit. 
XXXX, which was sued by the attorneys general of XXXX states for its role in facilitating these predatory loans, had a specific arrangement with for-profit schools during the early XXXX, making it a " preferred '' lender. Despite this, the settlement terms provided by XXXX were considerably inadequate, excluding many borrowers who took loans for attendance at approximately 150 for-profit online schools, unless they resided in certain states or had not defaulted for at least seven months during a specified period.

The only period during which I managed to reduce the principal amount was during the pandemic, when interest rates were temporarily lowered to between 0.5 % and 1 %. However, once the regular interest rates resumed, my balance skyrocketed again. This financial strain, coupled with the emotional stress and damage to personal relationships, has been overwhelming. 
Moreover, XXXX exited the federal student loan servicing business amidst legislative and advocacy scrutiny, following allegations of steering borrowers away from income-driven repayment plans towards forbearance, an action for which they had to provide restitution. 
XXXX has also faced multiple lawsuits for other predatory lending and illegal collection practices. Currently, XXXX is distributing " applications '' to select students who may qualify for Borrower Defense claims against their schools. However, this process feels unnecessary and opaque, as XXXX is already aware of the affected students. 
Under the FTC 's " Holder Rule, '' XXXX is accountable for these predatory loans issued in association with for-profit online schools. As time is critical, XXXX XXXX XXXX has urged XXXX XXXX to immediately discharge these loans. It is crucial for XXXX to take responsible action now by discharging all such predatory private loans associated with for-profit online education.
Consumer complaint received 2021-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

Account that was closed is showing open and is also showing that I owe money and I missed payments. My credit score dropped severely in addition to my the credit bureaus are showing that I have a debt that was already paid.
Consumer complaint received 2023-01-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I sent a letter to XXXX on XX/XX/2022. Its been well over 30 days, i still havent received anything back. 

According to 15 USC 1681i ( a ) 1 ( A ) XXXX, XXXX, and Transunion, have 30 days to respond to my dispute This is a violation of my rights.
Consumer complaint received 2024-01-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I the consumer have the right to make sure my private information is not shared which is backed by 15 USC 6801. Which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its consumers and to protect the security and confidentiality of those customers ' nonpublic information. '' These credit reporting agencies are in violation of the Privacy Act of 1974 which states that, No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ). This consumer reporting agency is violating my privacy as I have not requested for or given written consent to this credit reporting agency to disclose any records regarding any late payments on my credit report. These credit reporting agencies are reporting information regarding my payment history without my consent. I have not authorized them to do so. This is a violation of my consumer rights pursuant to 15 USC 1681b ( a ) ( 2 ) which declares " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I have not sent written instructions to this agency to furnish my payment history. The history of my payments is not supposed to be included on my credit report without my consent and authorization. I am exercising my right to opt out of your reporting services per 12 CFR 1016.7 that states " A consumer may exercise the right to opt out at any time. '' The financial institutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent, whether it be verbal, non-verbal, written, implied or otherwise is revoked from XXXX XXXX TransUnion, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Im a XXXX XXXX using Bank of America for our business account. I have been with B of A for at least XXXX years. We Never bounce checks or have any Issues with bad checks. Recently B of A will put a XXXX to XXXX day hold on ALL my XXXX checks. This is causing issues XXXX XXXX, XXXX XXXX and XXXX XXXX paid. It does not take XXXX days or XXXX hrs for a check to be verified, its instant. Try and write a check with insufficient funds and your check will be declined right then and there. There is zero reason for this policy. Other than they only do this, so they make interest off my hard labor. I sick of banks playing games. This needs to be addressed!
Consumer complaint received 2024-09-09
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: WHEELS FINANCIAL GROUP, LLC. (FL)

I hurt my back at work in XX/XX/XXXX, I went out on leave, and applied for short term disability. It it took a while to get approved for short-term disability, so I was 2 months past due. I have been harassed with multiple phone calls form different phone numbers daily from loanmart. On some days at least 5 from different people, and this does not even include the texts and the emails. I was afraid to answer my phone, because even though I explain the situation, they still hound you. This harassment starts after 1 day past due from the due date. It is very distressing to the point that I didn't want to answer my phone.On XX/XX/XXXX, XXXX from loan mart called and leave a message stating that an active repossession is place on my car, and I need to call. I called spoke to XXXX and explained to him that I will start receiving my disability pay, and I will be able to make the 64 days late payment on XX/XX/XXXX. I reiterated to him again I will make the 2 months past due payment on XX/XX/XXXX. XXXX then proceed to ask " if I can borrow the {$550.00} from someone ''? I said no, I am not borrowing money from anyone, because everyone is struggling. I went on to say, it is already and embarrassment to fall behind on my payments, I am not involving people in my business. They add on all these late fees to increase the balance of the payment.
Consumer complaint received 2024-06-19
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. (TN)

PLEASE BLOCKED AND REMOVED I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.
Consumer complaint received 2024-05-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I called Bank of America to remove a charge from XX/XX/year>. I ordered a product from XXXX, a mens health company, which I never received. 

After 4 months of waiting and communicating via email with XXXX, I eventually asked for a refund which I never received. I then contacted BoA and opened a dispute. I provided BoA the entire email string between myself and XXXX which clearly shows that I was charged and never received what I ordered. BoA closed the claim due to lack of information. 

I tried reopening the claim and 2 different operators kept send me to different departments, pushing the problem onto someone else.
Consumer complaint received 2023-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TransferWise Ltd (FL)

I deposited a large amount into my account and requested they deposit it back to my normal banking account but they told me my account have been deactivated. 
This have been going on for 3 weeks and I need my funds returned.
Consumer complaint received 2024-05-13
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

Our Mortgage company was originally XXXX XXXX, it was transferred to XXXX XXXX  and recently CARRINGTON Mortgage Services. Our payments have been {$1600.00} for months. As of XX/XX/XXXX they skyrocked to {$1900.00}. When I called they informed me that the Homeowners Insurance went up to {$800.00} - it is and after sending them a copy of the documents page ( 2X ) it is {$700.00} and expires on XXXX XXXX. We also have 3 documents indicating that we should NOT be paying any property taxes - one for our Homestead another for a VA Discount ( husband is a XXXX Veteran ) and The Tax Deferred Affidavit for people over XXXX and XXXX ( Effective XX/XX/XXXX. ) I have mailed all of the above documents not less than 3 times, the last time along with our XX/XX/XXXX mortgage and a {$99.00} check which they insisted we pay towards the Homeowner Insurance. 

They continue to Bill us the incorrect amount for Insurance and also continue to Bill us for Property Taxes. We have made ALL of our payments ON time - before the date they consider " Past-Due- ( XXXX of each month ) They are withholding our payments aside and show them as " Unapplied Funds for Sweeping '' ( what ever that means ) and now they have contacted the Credit Bureau and reported us as " Delinquent ''
Consumer complaint received 2021-02-09
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (CA)

First off I would like to start with the fact I am a XXXX Veteran working in XXXX as a XXXX  XXXX during these trying times. This all started about 2 1/2 years ago. I filed for a loan modification about 4 times and I was denied all 4 times. I then hired a law firm to help me get this problem handled. It took the lawyer 14-18 months to get it approved XXXX XXXX was dragging their feet so that my income would change just a small amount so they can make us start over. Now that it was approved I was in my 3 month trial period, my last month XX/XX/XXXX I was XXXX short on my payment. This was a complete typo due to me working more than 14 days in a row 12-20 hours a day in 2 hospitals here in XXXX California During the Covid surge. Not a single phone call was made not a single email or even a letter mailed to me. The first time I contacted them when I found out I made a mistake to correct it I was told someone called an XXXX number and tried to leave a message. This number was for my lawyer, and I guess there was a form done so the mortgage company was not allowed to contact me at all. If there was a no contact cease and assist filed why was there a message left on my lawyers phone yet I am asked every time if that is my work phone. I paid the XXXX I was short as soon as they allowed me to that alone happened XX/XX/XXXX. I talked to a manager XXXX trying to get this issue resolved and I was told there was no reason to worry he would get in touch with the person handling the modification and get it fixed then call me himself the next day. No call was ever made! I called everyday since XXXX even on the weekends trying to fix this problem all while I was at work trying to keep XXXX XXXX XXXX. I then talked to a Team Lead by the name of XXXX, who once again told me there is no reason to worry and she sent an email to the person working on my case and she would handle the problem. She took my XXXX payment at that time. This was the first time someone allowed me to make a payment. I called today XX/XX/XXXX to figure out what is going on because once again no return call was made to me I was told I have to completely restart the modification process again and there is nothing that they WILL do to help me. I have had nothing but problems with this company and although I will admit it is not their fault I had problems paying my bill, it is their fault they are refusing to help me in any way shape or form. XXXX dollars mightXXXX just cost me my home. This company has targeted me since the first time I made a late payment, This company is against the veterans they promise to serve. In the end I just want to make my house payment. I don't want to live in fear at all for my home anymore! this company is doing everything they can to get my home from me.
Consumer complaint received 2024-01-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am extremely dissatisfied with your bureau 's failure to remove fraudulent accounts despite filing an identity theft report on Identitytheft.gov and the associated banks confirming errorsXXXX and XXXX have acknowledged errors and removed them. Your verification process raises confusion, as other bureaus complied. Other bureaus promptly removed these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-02
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. (NY)

My credit report is locked with XXXX credit bureau. So I don't understand how this company could run a credit search. I did not request a duplicate credit card. I received an email telling me that I was denied for a XXXX  XXXX application. I never applied for a XXXX XXXX credit card because I already have an established credit line with this company since last year. This mistake has caused a hard inquiry on my report!!! I reported this error to the credit bureau and they sent me a email telling me they found the creditor to be accurate