davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-27
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

My compliant is about the account fee unjustifiably charged by Bank of America over the past two years. I had previously requested an account type change from Money Market Savings account to the basic Advantage Savings account. I received the written confirmation dated on XX/XX/XXXX from Bank of America ( see letter attached ). However, despite this confirmation, I have observed a total of over {$200.00} in service fees collected on the basis of the Money Market Savings account from XX/XX/XXXX. Bank of America 's failure to honor the confirmed account change and the ongoing imposition of service fees is distressing. I reached to Bank of America on XX/XX/XXXX about those fees but the company declined to return those erroneously charged fees.
Consumer complaint received 2023-11-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GOLDMAN SACHS BANK USA (NC)

GS Bank US- XXXX {$1700.00} Inaccurate balance and history reporting on credit account this item does not belong to me and I request to have this inaccurate item blocked and removed immediately from all credit reporting agencies
Consumer complaint received 2023-11-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (NE)

EdFinancial has a 0.25 % interest reduction for setting up auto-pay, I have set up auto-pay multiple times ( initially XX/XX/23 ) since my loan was transferred ( each time the confirmation saying it would take 2-3 business days to take effect ) and I was actually able to access it, but nothing has happened. I'm not receiving the interest reduction, auto-pay still has not been set up, EdFinancial refuses to reply to my emails ( the first email was sent on XX/XX/23, mentioning that the " new '' start date for the auto-pay changed to XX/XX/23, rather than the XX/XX/23 initially quoted, but it still has not started ), the chat option isn't available whatsoever, and it seems like multiple other people ( according to a XXXX thread ) are going through the exact same issue. It seems deliberate at this point, in an effort to avoid the interest reduction that was guaranteed.
Consumer complaint received 2023-11-27
Product: Credit card — Store credit 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: CAPITAL ONE FINANCIAL CORPORATION (IL)

My Walmart charge card keeps posting charges then uses these same charges as a pending hold as well. So my card shows XXXX charges. XXXX that has completed & XXXX that is pending in the same amount. They refuse to release the hold on the day the charge was completed & hold the amount as a pending hold for XXXX business days. They are also saying I have no credit limit left when the balance shows there is credit available.
Consumer complaint received 2023-08-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Onity Group Inc. (AZ)

The loan was initiated in XXXXXXXX XXXX XXXX. A loan re-forecast, which resets the amortization schedule for the entire loan, was initiated and completed in XX/XX/2022. From that moment on, PMI should have been removed since the auto termination date would have been re-calculated and it would have been found that we met the threshold to have the PMI removed. I reached out to PHH mortgage to request a refund of the unnecessary PMI payments totaling in {$980.00} which they declined multiple times. Their stated reason for declining was the original PMI auto-termination date of XX/XX/2033. This date changed as a result of the re-forecast.
Consumer complaint received 2023-04-17
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. (TX)

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX : {$2800.00}
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

I would like these inquiries removed fromm my credit report. I have no knowledge of them and I know I did not approve or request. I don't recognize them at all, can you please remove from my credit report
Consumer complaint received 2023-10-12
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (FL)

I called and spoke with representative because there was a late payment on my acct and my payment was never late. I was unaware that they sent payment back once I made a payment on the account. The representative looked into the matter and advised me to dispute because it shows my payment was paid on time but wasn't aware that payment was sent back.
Consumer complaint received 2017-04-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Hello, I do n't understand the problem with transunion not wanting to help people who have been victims of identity theft and fraud. There 's an alert on my credit from all XXXX bureaus. However transunion is the only one who has fraudulent inquiries on my report. I 've disputed them and have had no help or anything from transunion. They 've told me to inquiries have to stay on my reports for 2 years, I informed them that these were unauthorized and fraud, the representative name XXXX still insisted that they have to stay on for 2 years. My question to transunion was why should I suffer from something i did not do or authorize. It just is n't right and never will be. These people at these credit bureaus are really evil and not helpful at all they 're all about ruining people 's lives and credit for money!!!!!! I have attached the inquiries that are not mine and are fraudulent!
Consumer complaint received 2024-03-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (LA)

I sincerely urge you to expunge this entry from my credit report as it is not linked to me and is clearly fraudulent. I kindly request a thorough investigation and prompt correction of this inaccuracy in my credit history.
Consumer complaint received 2023-11-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LAKEVIEW LOAN SERVICING, LLC (GA)

Loan XXXX XXXX Loancare Since last Wed I have been trying to pay my mortgage loan due XX/XX/XXXX. 
Website and app give error messages. Phone numbers called do not answer ( XXXX and XXXX ). Email response is that they are offline. 
I have tried everything to contact them, including the holding company XXXX XXXX XXXX XXXX. They also did not respond to emails and no one answers the phone ( XXXX ) I am concerned that if I can not access my loan by due date of XXXX that I will be charged a late fee. I have been paying online since I have had this mortgage and never had an issue before. 
Please help. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Ga XXXX XXXX XXXX
Consumer complaint received 2022-10-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

In accordance with the Fair Credit Reporting act 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 has violated my rights. 

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.
Consumer complaint received 2023-11-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P. (TN)

This debt collector engaged in abusive. deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2023-11-27
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Tower Loan of Mississippi, Inc. (AL)

I enter a debt solution program tower loans of XXXX al is on there list in the program we are doing what was instructed and have give them the number to contact they have constantly calling and even come to our home and served papers the was not served to me was just hand to someone at our home
Consumer complaint received 2023-11-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

In early XXXXXXXX XXXX XXXX my account was closed by Wells Fargo for a check that I deposited into my account from someone buying a car from me. There was no reason and no explanation for why my account got closed
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

this is a XXXX XXXX thing where you arent actually receiving a loan but paying yourself {$35.00} a month and you will receive the money back at the end of the term of the two years. XXXX  terminated my account when there was an issue withdrawing my payment, and they still report it at 60+ days past due. XXXX ) this was never money owed to them ; XXXX ) I wanted to participate in the program but they terminated the account but are still reporting it past due
Consumer complaint received 2023-11-27
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: GOLDMAN SACHS BANK USA (FL)

Hi. I was having difficulty making monthly payments. Goldman offered a payment plan and was suposed to take pmts automatically. I was taking care of other debts and didn't realize they were not taking money until I got a notice stating it was sold to a collection agency. I was confused because I didn't receive any notifications from Goldman. I continuously asked why they didn't set it up and no answers. I recently received a check from them for {$270.00} for a good will credit for not processing my account correctly. This does not resolved the damages. XXXX, a collection law firm, has entered a judgement against me as well for this. If the auto pmts were set up the series of events would not have took place.
Consumer complaint received 2023-09-17
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I recently reviewed my credit report and noticed a lot of inquires that werent done by me. Its a defamation of character under law 15 USC1681. I asked for the credit bureau to verify this information they stated they couldnt and I had to reach out to the companies. I reached out to the co XXXX they stated the same that they couldnt and for me to reach out to the credit bureau to get them removed. Still nothing has been done and this has went on for over a month.
Consumer complaint received 2023-11-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC (MI)

Loan Care LLC ( who is notoriously difficult to deal with as is ) has been down for almost 2 weeks now and I have been unable to make my payment, which is now late. The website and phones are both down and have been down for ( as far as I know ) 15 days but many reports online say they have been down for almost a month now.
Consumer complaint received 2023-11-27
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Klarna AB (PA)

According to Klarna I have {$2600.00} in purchase power. I have never been denied their financing options before nor any other of their competitors. When trying to purchase something for {$1800.00} that is supposed to have a no interest 36 month financing program from Klarna I am only presented with other options much less favorable. I contacted Klarna to ask why this is happening if I have never had a late payment to them, I have more than enough purchasing power, and I have excellent credit. They have refused to give an answer and just claim the process is automated. One representative who I spoke to suggested me paying off another small purchase with Klarna. I made this payment in full 7 months early. This had no effect on my ability to finance the other item. I told them they are required by law to inform me of the reason but they refuse to do.
Consumer complaint received 2023-11-27
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: Bread Financial Holdings, Inc. (MS)

I checked my credit report and noticed the company had pulled my report. I never authorized this company to check my credit. I have never heard of the company. It was done XXXX XXXX, 2022 2022
Consumer complaint received 2023-11-27
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: TrueAccord Corp. (OH)

First and foremost, I have no inclination as to who this company is and/or who they are attempting to collect for. I have not received any notifications via US mail regarding any debt I'm behind on, and can verify I'm not behind on any debts I have. This company will need to reach out via US mail, as my address has been the same since 2014, in order to verify who they are, what the debt is for, amount owed, and the date of original default. TrueAccord is the company in question. 

They've texted me repeatedly and I've responded 'STOP ' on multiple occasions. Unfortunately, they continue to text.
Consumer complaint received 2023-11-27
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: Westlake Services, LLC (MS)

I checked my credit report and noticed the company had pulled my report. I never authorized this company to check my credit. I have never heard of the company. It was done XXXX XXXX, 2022 2022
Consumer complaint received 2023-11-27
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Resurgent Capital Services L.P. (MS)

My credit report has listed this company as collection. I've sent XXXX letters to the company in hopes of have this misinformation deleted from my credit report. I asked for proof but all of my requests have been ignored.
Consumer complaint received 2022-12-20
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)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have disputed this XXXX XXXX XXXX and it has not been corrected. The account is still reporting wrong on my credit report but it is already closed. The account has been closed however, the account payment status is late. The account payment status CAN NOT be late on an account that has already been closed. The account status is wrong and should be closed. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please remove the late dates from this account : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-26
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: AMERICAN HONDA FINANCE CORP (NY)

I mailed a dispute and have received the results of your investigation. Regarding XXXX XXXXXXXX XXXX account number XXXX - your results indicate the item was repaired. Upon reviewing my report the item is still listed. Please update the item as per your investigation results indicated. I am the person making this complaint & I give CFPB authority to investigate this claim.
Consumer complaint received 2023-11-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (PA)

Over the past XXXX years our Taxes and / or insurances are raised therefore there is a " shortage '' in our escrow account. We pay the " shortage '' based on the letter sent to us from the mortgage company ( Mr. Cooper ) and yet our mortgage payment still goes up. Please note ; in anticipation of a yearly increase I send additional funds to be applied to the escrow account but they apply it to the principal instead...???. 
I called again to find an explanation and they say we do not calculate escrow that way. (??? ) When I ask for a supervisor, they refuse to put the call through but file a request (? ) and tell me a supervisor will call me in XXXX hours. the last time I attempted to resolve a problem with a supervisor. I did NOT receive that call back nor do I expect to receive one now.. 
When a mortgage company raises your mortgage for no apparent reason the consumer deserve to know and understand what is happening with their mortgage.
Consumer complaint received 2023-12-11
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: FREEDOM FINANCIAL NETWORK (PA)

I enrolled in FDR XX/XX/XXXXXXXX  and have sent them a total of {$7300.00}. I enrolled two cards, with the balance of both card totaling {$29000.00}. I was originally told we would be done paying in XXXX and now it states XXXX. I first got a settlement offer on my XXXX XXXX XXXX which I authorized had been making monthly payments on it for what I thought was the last year. However I noticed today when I accepted the settlement for my discover card it was no longer under as being paid on and it was still pending. So of course I call them. They told me I had missed one biweekly payment a few months back and they cancelled the settlement ( which they never made me aware the settlement was cancelled and I was paying toward nothing ). Okay so I asked where did the {$7300.00} I sent you the past year go. They then told me $ XXXX went to their fees and $ XXXX went to the credit card. I asked if the settlement was cancelled where is the XXXX XXXX and they told me the creditor has the right to keep it and cancel future monthly payments and that they need to renegotiate. I then asked to cancel and they told me I need to call back later and they cant do it now. So because I missed one biweekly payment the entire settlement was cancelled? But they had enough to collect XXXX XXXX of fees? I would like the XXXX XXXX of fees back since the settlement did not go through nor was I made aware it was cancelled. All communication from this company was unclear and shady. I contacted XXXX XXXX to verify they received XXXX XXXX from me and they stated they did not recieve XXXX XXXX as FDR said they did they only received {$2100.00}, meaning out of the {$7300.00} they pocketed {$5100.00} for a service they didnt even provide and were completely deceptive about! I will be seeking a {$5100.00} refund of the fees as they were charged to me for a settlement that was cancelled without my knowledge. 

Also when I called I had {$550.00} in my account balance and they refused to refund it because they were going to keep it for fees.
Consumer complaint received 2024-03-15
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. (GA)

As per the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681s-2, furnishers of information to consumer reporting agencies have a duty to report accurate and complete information. In light of this, I would like to address a late payment that was recently reflected on my credit report.

The late payment in question occurred due to unforeseen circumstances beyond my control, which temporarily impacted my ability to make timely payments. However, I have since rectified the situation and brought the account up to date.

Under 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( C ), it is mandated that furnishers of information must promptly update any information that is found to be incomplete or inaccurate. Given that the late payment no longer accurately reflects my current financial standing, I request that it be updated to reflect the positive status of the account.
Consumer complaint received 2023-05-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (MI)

I was looking at my current credit reports and noticed a new collection that Ive never received any communication about from Enhanced Recovery Co. It says for XXXX and the amount is {$530.00}. I check my reports weekly and this just arrived at the end of XXXX but on my credit report on XXXX it states it was opened in XX/XX/2023. I called XXXX and they have no knowledge of this supposed debt so I believe this is either someone else 's debt or identity theft. This is hurting my ability to get credit from anyone and I would like it removed since it does not belong to me.