davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-18
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Bankruptcy
Company: ECMC GROUP, INC. (NJ)

I entered bankruptcy with about XXXX in debt. My payment plan included payments to my loan such that I should have seen the total owed reduced. Instead after 5 years of payments my loan INCREASED by about XXXX. This doesn't make sense to me.
Consumer complaint received 2020-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (IL)

Navy Federal Keeps reporting erroneous payment history. In XXXX of this year I was put on a deferred payment. I have 3 accounts with Navy Federal car loan and 2 credit cards. One of my credit cards I had to make a {$50.00} on XX/XX/20 and the other 2 loan payments i n't due until XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX just alerted me that there's no payment history for my navy federal accounts and my XXXX  score dropped by 4 points. I can't have any late payments appearing because eventually I'm trying to qualify for a house
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MI)

Experian is reporting information that is misleading and inaccurate that is affecting my ability to obtain housing and employment. I have sent a letter requesting it be removed previously and that it stopped being reported. 

The company is stating that I was charged with XXXX XXXX when in fact I was not. The charge was changed to a XXXX  and I paid fines and had XXXX This is public record and available online at the XXXX XXXX website. 

Record is reported 3 times so employers perceive it is different charges. 

It has prevented me from obtaining housing at XXXX XXXX in XXXX Michigan. It has also affected my ability to gain employment due to it being a XXXX  When I contacted the court they said it was not their responsibility to resolve. They reported accurately in their systems. Contact who is reporting the false information. This incident was almost 15 years ago.
Consumer complaint received 2023-10-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Bank America Account ending in XXXX claim # XXXX I have not received any information on the settlement agreement reached by Bank America in reference to this bogus account that was opened in my name using my information from when I previously banked with them over 10 years prior
Consumer complaint received 2020-04-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

I paid my last statement in full 3 weeks prior to it's due date - have since gotten late fees and now a notice of default. 
See complaint # XXXX I have never had a late payment and my credit records have always been impeccable - I am a responsible senior citizen that's being taken for a ride. 
Please help.
Consumer complaint received 2020-04-13
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC (NJ)

I was temporary laid off as a non essential business employee because of Covid-19. 
I was approved for a mortgage forebeafance but the mortgage company said that the entire unpaid amount will be due at the end of the forebeafance because the Cares Act does not currently allow payment deferral. 
If I cant make a monthly payment because of the pandemic, how will I be able to make a lump sum payment of a few months all at once while out of work!
Consumer complaint received 2023-07-21
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-06-20
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (TX)

I was looking at my credit report on the XXXX of XXXX and I notice a collection account from NCA in the amount of {$1800.00}. I tried reaching out to this company by finding a phone number for them on XXXX. However, no one responded. I have not received a letter about this debt or even a phone call.
Consumer complaint received 2023-03-10
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: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-10-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (CA)

Chase bank did not follow their own policies and procedures and allowed 3 individuals access to debit our business account fraudulently through their ACH system. Over a period of 8 months, these individuals removed funds from our account in minimal amounts and under false business names that we actively do business with such as " XXXX XXXX '' to remain under our radar. The ACH policy on Chase 's account and applicable to our business account, communicates their is a submission of documentation to validate transactions and approve removal of funds prior to the first transaction. Chase bank failed to take this step and approved over {$55000.00} to be stolen from our business account over an 8 month period and now refuses to fix their mistake and restore the funds to our account. We were never contacted by the fraud department for even one transaction nor was the bank able to provide the documents or evidence that prove they validated documents approving charges to our account. Detailed information such as dates, amounts, communications and bank policies as well as a letter to the bank 's Vice President requested action are attached for review. We met with the bank on numerous occasions to resolve this issue with no results.
Consumer complaint received 2023-03-10
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. (NJ)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-10-18
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

XX/XX/2023 receive email that unusual activity on my account and to call to verify activity. When I call I was told they will close my account and end business relationship, and a check will be mailed within 7-10 business days or to go in branch and withdraw my funds. I go to branch XXXX XXXX and they are able to withdraw all my funds and upon calling 'back-end ' was told they are not closing my account and it was my request. They confirm the 'closing of my account ' ruling was overturned and if I wanted to continue with my withdraw since they will not close my account and wanted me to go in branch to verify identity. They unrestricted my account and everything looks normal. On XX/XX/XXXX the next day I receive email my accounts are restricted again and they are closing my accounts. I go in branch on XX/XX/XXXX and they state they are unable to withdraw my funds due to a pending investigation that was closed and finalized weeks ago. When I request written notice or documentation regarding why my funds are not accessible and I have no ability to use my funds, they deny providing any written information. I call on XX/XX/XXXX to request my funds be made available and demand full use of my funds, they deny my request stating there is an indefinite investigation and it could take anywhere from 1 day to 1 year to resolve and my funds are not available, even after closing my account and stating I would receive my funds within 7-10 business days.

They are violating customer agreement and their promise to return balance within 7-10 business days, violating EFTA regulation E by having an ongoing indefinite investigation that was finalized and closed weeks ago, being unfair and deceptive by lying to me stating my account will not be closed so they may put a hold on my funds and not allowing full use of my funds creating undue hardship. They are acting in bad faith not providing any written documentation and illegally investigating behind-the-scenes without any communication or cause. 

I also have videos of my entire interaction at the branch location showing the unfair and deceptive practices, however due to file size I am unable to upload to the CFPB portal.
Consumer complaint received 2023-10-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

We are an investment company. We sold XXXX of our XXXX businesses with a closing date of XX/XX/. XXXX wire transfers were transferred from the buyer 's escrow agent. The wire to our company was put on hold by BoA. The other XXXX wires went through without issue ( XXXX of which went to other BoA accounts ). 

Thursday morning XXXX  I tried to wire money from our account to our investors. I could not. When I called BoA, they told me to go to a branch. The business XXXX at the bank tried to wire money from our account and could not. She called the BoA wire department and found out the wire for the sales proceeds was put on hold. Later that day ( XX/XX/ ) I tried to send a small wire from funds that were in our account before the transaction wire. BoA denied access to our account completely. 

As of XXXX we do not have our funds and we do not have access to our account. I called various departments at BoA and received no information and no date when our funds would be available. 

The wire was for a significant amount and our investors are losing a significant amount of interest.
Consumer complaint received 2020-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NV)

After I tried to refinance my home loan recently I found out Expienan had wrong information about me. Despite multiple attempts to contact Experian I could not reach them. They could not even verify my identity online after I gave them my SS # DOB and address! I was turned down by the lender. How can such a careless and inept company handle our vital credit information!
Consumer complaint received 2023-09-05
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. (WV)

I disputed a credit card account, XXXX XXXX XXXX with XXXX XXXX XX/XX/29. Results XXXX with a remark from XXXX XXXX saying the account info disputed by consumer meets FCRA requirements. So, the info I provided was accurate. Updates were made to my account and account closed. This significantly decreased my credit score.
Consumer complaint received 2023-10-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (WA)

Supporting documents for open case XXXX The US Dept of Education has stated that they notified servicers immediately of payment issues and place them into administrative forbearance to remedy the errors and months will be credited toward payment counts needed for loan forgiveness ( ie- PSLF ) I have asked for my loans to be taken out of forbearance multiple times, along with a new request yesterday to move my forbearance from Exceptional Discretionary Forbearance to Administrative Forbearance.

Exceptional Discretionary Forbearance is related to Borrowers Defense. I have Borrowers Defense and PSLF simultaneously for loan forgiveness. My borrower 's defense application is on a 3-year review period whereas my PSLF has 13 months remaining for forgiveness. Exceptional Discretionary Forbearance months do NOT count towards PSLF. It is not my fault that Mohela is behind on applications and payment reviews, and I am losing precious time towards paying off my loans via PSLF. 
I want to either be taken out of forbearance completely with the right monthly payment amount of XXXX as approved by FSA OR be placed into ADMINISTRATIVE FORBEARANCE so that the months they spend resolving their issues will count towards my PSLF
Consumer complaint received 2023-10-18
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: Experian Information Solutions Inc. (FL)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2023-10-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I recently received my credit report and noticed a charge off from Bank of America. I instanly made a phone call to figure out what was this account about. They had no information to give me. No information about the charge off. They explained that this was happening to a lot of people, that didn't sound good. I explained where does that leave me. After being on hold for what felt like hours, I explained that According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) you are required by Federal Law to verify -through the physical verification of the original signed consumer contract. Even after all of the explaining and pleading for them to do the right thing and find a solution the representative explained it was noting they can do.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-04-13
Product: Credit card or prepaid 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 (CA)

My complaint is about charges made to my Bank of America account in the amount of XXXX by XXXX XXXX XXXX XXXX XXXX XXXX XXXX : As of XX/XX/19 the company is no longer in services shut down by the FTC and I was promised services for the big holiday weekends to help with sales and marketing. I have no access to any of my notes lessons and mentors for which I paid for my advanced education. Everything was at introductory level I never received my advanced education I richly invested in. I paid for 24 hours access to educational resource center ( website taken down by FTC ), Lessons with perfecting your pitch mentor which only happen once a month I received one introductory call. I paid for 10 Customized Mentor Calls for which the package was made for ( I only got one introduction call, my first call was only 10min, ( not what I invested all this money for. ) I  received XXXX  XXXX XXXX build logo and XXXX XXXX XXXX XXXX XXXX for one year to help with sales ( I no longer have access and never got landing page ) I was to have a XXXX XXXX  XXXX XXXX XXXX webinar and streaming ( never got that service worth over 6,000 ),  social media jumpstart working with a social media mentor ( only one introductory call and one assignment call which the company closed before we completed the task ) I was given a guarantee certificate to triple my investment of my tuition price XXXX which XXXX was charged to B of A account on XX/XX/19. On XX/XX/19 I also received a service commitment to see 100 % of my advance training back of XXXX which XXXX, was a debt of this service charge. Because of the companies fraudulent motives B of A has shut down my credit account due to utilization of my credit being too high and too many cards with balances which prevented me from being able to use my credit to start my business which was the sole purpose of getting the capitol. This too the company promised me and has failed me and left me with a bill Im disputing.
Consumer complaint received 2024-04-05
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. (TX)

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 : Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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 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 2023-10-18
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. (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 Account Number : XXXX has violated my rights. Or 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 2023-05-28
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: EQUIFAX, INC. (MD)

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. 

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 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 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.