davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Apparently I have a XXXX  account with Bank of America. I figured it was opened as part of a program or some sort of reward. A routing number was included as well as bank account number and funds distributed to the account. 
I have been a customer with Bank of America for XXXX  years and have been offered many different banking options. 
There was a deposit date and funds that I can access from online. I saw that the bank opened the account in XXXX of this year. Every XXXX  of the month they have been withdrawing a {$4.00} monthly fee from that account. When digging deeper and trying to access these funds I was told that the account was frozen and to contact the XXXX XXXX XXXX department. Which I did. I was on hold and was transferred to XXXX departments. I ended up having to call back about XXXX times that day. I was transferred and told that they couldnt transfer me and then sent to a voice message and also disconnected on. I was given a number to call and then told by that person that no I have to call that same number I called before to be connected to XXXX department. Then I was transferred to someone named XXXX and she told me that her transferring option doesnt work that I have to call back the original number. At the XXXX call I got someone on the phone who told me that there was a claim number and that she couldnt access it. I forgot to mention I was told in maybe the XXXX nd call that I would not receive any notifications about the issue and that no one will contact me and if I want information I have to keep calling back. When I questioned that and asked how is that possible that I have never received any notifications about this account and if anything I was told that thats not what they do. The final call told me that she cant access the claim information and that I have to call back the original number and ask them for a claim number and that she was transferring me, she transferred me and in that transfer the phone call hung up and ended. I was told that it would take XXXX days to review the case but however the account was frozen since XXXX, we are now in XXXX, and that they will continue to keep charging the account every XXXX of the month and have no exact idea when the review will happen. I said I wanted it closed as I have no understanding of what is going on with the account and no information as to what and how it started. I was told that they can not close it and if I want more information I just have to keep calling back. But they have no information and no notes are listed on the account in terms of issues or anything. Absolutely nothing. And again they never sent a notification nor would they ever send me XXXX in the future.
Consumer complaint received 2023-10-06
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION (FL)

I made two large payments to both of my closed accounts with TRUIST in XXXX and the statements closed with these payments being applied, but neither of these closed credit cards have reported the balance to my credit reports since XXXX, 2023. I have attached both statements showing the new balance it should have reported to my 3 bureaus already. This is affecting me from getting a HELOC
Consumer complaint received 2023-07-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Malen & Associates, p.c. (NY)

Many years ago, I received the letter from Malin and associates. They were trying to collect a debt from me I had no idea who they were and basically I ignore them. They did start calling me and I told him I had no idea what the debt was about. At the time that they were calling me I was going through a divorce. My social security number was stolen at the time, I could not make any valid accusations but I kind of knew who did it. My ex-husband was living with someone at the time and he had all of our paperwork in his apartment and I think the person he was living with got hold of my social security number. Anyway, sometime last year, a bank account that belongs to my son was garnished because of this loan that I never applied for. I went to the police, I filed a report, I had the money returned and I saw this loan was on my credit report. But on my credit report, it says it was written off and it was no longer affecting my credit. I called this company and I told him everything that was going on I told him I went to the police. The whole thing was done as far as I knew. And now today I just received a letter from them again saying that my fraud case was invalid and I owe them the money and now they're adding interest. I don't want to go through these issues with this company again. I did not take a loan out, I was in the middle of a divorce, I did not take any loans from anywhere. And also the name that is on the letter that I received is not even my legal name. My legal name, which I have always used is what I am giving you today. Even when I was married, I did not change my name legally. My name on my driver 's license, social security card, and my tax returns etc everything else has always been the name that you see here that I am giving you. This company keeps harassing me And I really don't want to go through any more problems with them anymore. I think they said that this loan was from 2014? I can't even get a straight answer from them, I've asked them multiple times to show me proof that they have that I took a loan out. They have yet to do that. They just are very rude on the phone whenever I call, and they never give me any answers. I really don't want to call them anymore because it just causes more problems. I have never taken a personal loan out in my life. The only loans I have ever taken out were for my cars which were through actual car dealerships and I took a small student loan out for my son. I really need some help with this because I am a single mother and I'm trying to put my kids through college and I really don't need the stress from this company because they already messed around with one of my bank accounts once. Please help me and need to get these people to just leave me alone
Consumer complaint received 2022-02-09
Product: Student loan — Federal student loan servicing
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Maximus Federal Services, Inc. (IN)

Hello, I was lured by XXXX XXXX during my last semester at XXXX TECH to join them for a Bachelors 's degree. - I understand that this was my decision at the end-. 
However, I was led to believe that I was going to be able to pay this easily by going into pay as you earn. when I obtained my bachelor 's in XXXX, I was pretty much forced to get the pay as you ear deal due to my low income. my income has not changed in the past 6 years. I make XXXX a year, so my payment has been around 100 dollars. This has increased my loan until covid that now is actually XXXX dollars less in principal than I had in XXXX. 
This has caused many problems over the years to be able to qualify for other loans. lenders don't see the {$100.00} payment, they see the {$29000.00} and the {$450.00} dollar payment I would have if I am not in the pay as you earn program. 
when I purchased my Home years ago, I qualify for less than I should have so I bought a smaller home foreclosed that needed work rather than going with a better and bigger home for my children. 
I now have a much bigger problem, I wish to better myself and move to a bigger city such as the XXXX XXXX XXXX area to find better employment opportunities. With the housing market ( XXXX ), again, I am unable to afford a house that doesn't need work because lenders take into consideration the {$29000.00} or {$450.00} payment. I am unable to help my kids co-sign for vehicles so they can have the means to get employed. 
My situation has caused my kids ( XXXX and XXXX ) to even consider getting an education due to the struggle they see from their mother 's student debt. 
I could have obtained jobs making $ XXXX without a college education, or just with my XXXX XXXX from XXXX XXXX. My degree has been pretty much worthless financially, and I can't get into the TODAY housing market or co-sign for my kids due to the loan. my credit score is XXXX. 
This situation should not happen, it should be illegal. especially for single moms that already struggle to raise kids.
Consumer complaint received 2023-07-13
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (FL)

I paid my XXXX credit card bill on XX/XX/2021, via my online banking account with Bank XXXX XXXX. It was {$140.00}. JCrew claims they never received payment. I sent to JCrew proof of payment from XXXX  XXXX XXXX showing that the funds from my checking account were electronically transferred to JCrew on XX/XX/2021. They have that document. Despite that proof, XXXX continues to claim the bill was unpaid. I now have a bill in excess of {$810.00}. Anything above the {$140.00} represents interest and fines. 

My credit score is being damaged. And I am accruing more and more debt. XXXX refuses to acknowledge payment but offered to settle the matter today for {$490.00} which is outrageous.
Consumer complaint received 2023-09-29
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: EQUIFAX, INC. (PA)

I am giving authorization to this company to respond to this cfpb complaint. I have requested that this company cease the reporting of the account stated in the attached dispute letter due to federal violations. Pursuant to the IRS Publication 4681 any cancellation of debt is considered a certificate of indebtedness and its now income. Income can not be reported per the IRS publication. However, this company did NOT honor my request for removal. This violates the Fair Credit Reporting Act and both this company and the consumer reporting agencies are participating in this violation. Additionally, as a financial institution, they did not disclose to me my right to opt out of the disclosure of my nonpublic information or directions on how to exercise my right to opt out as dictated by law. I sent them a letter notifying them of my request to be opted out of my nonpublic information being furnished to consumer reporting agencies pursuant to 15 U.S. Code 6802 and 16 CFR 313.7 in which they have denied my right. Instead, they stated that they do not offer their customers the option to opt out which is a direct violation of federal law ( s ) as they are REQUIRED to give opt out disclosures. As a federally protected consumer I am now revoking any and all authorization that I, the consumer, may have given them written, non written, verbal, and nonverbal per 5 U.S. Code 552a and I am demanding that my nonpublic information cease to be furnished. If this matter does not get settled, I will pursue litigation for damages.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (SC)

I received a copy of my credit report and found the following itemsto be errors. You know, I'm tired of sending letter after letter to your company. I've wasted a lot of time trying to get this matter resolved, yet you still will not conduct a proper investigation into my account. It seems to me that your company ignores the laws put in place to protect consumers like myself.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Several accounts that show up as closed are on my credit reports that aren't mine. The following accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PENTAGON FEDERAL CREDIT UNION (MA)

Pentagon Federal Credit Union refuses to provide certain services to consumers who do not effectively communicate via telephone. I contacted Pentagon Federal via chat with a service request and PenFed representatives XXXX XXXX informed me that there is a security reason that Pentagon Federal is not able to provide reasonable accommodations to consumers who do not communicate via telephone but failed to provide any details on what the security reasons are and why it is a burden for PenFed to provide reasonable accommodations to a class of consumers with disabilities and to ensure secure access to all services provided to the public to all customers, nit just the customers who are effective telephone communicators.
Consumer complaint received 2023-12-14
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (WA)

Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 

Please send me a copy of the credit application/contract bearing my signature associated with my account, with no information redacted, NOT my cardmember agreement but the signed contract. 

I understand that under the Truth in Lending Act, Fair Credit Reporting Act and Consumer Credit Act, I am entitled, as a signing party to the contract/application, to receive a copy of any credit contract and a statement of account when I request it. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation and am in a contractual obligation.
Consumer complaint received 2023-12-12
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. (KS)

I went to the car dealership, and I wanted to apply for a car, and they shopped my credit around without my consent. I told them I would go through my personal bank, and they proceeded to go forward without my permission. This has affected me extremely as my scores have dropped and i have been getting denied for lines of credit.
Consumer complaint received 2024-01-14
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: EQUIFAX, INC. (GA)

I previously filed a report through CFPB with reporting issues with XXXX and Equifax. Some of the unauthorized inquires have never been removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: PNC Bank N.A. (GA)

I have never entered into an agreement nor do I have a contract with XXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, Virginia XXXX. This is fraudulent and a violation of my right to privacy and my consumer rights.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2023, I submitted dispute letters to have accounts removed that were reporting inaccurately as well as reporting things that violate my Consumer Law Rights! The accounts that I reported were : XXXX XXXX ( which is the one I need remove the most due to the most violating done ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This is my numerous request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I called Equifax beginning of XX/XX/2023 because I couldn't log on to my account. The rep on the phone told me that somehow there is a " split pin '' associated with my account, meaning someone else is also using my SSN. The rep said it's likely caused by a system error on Equifax 's end and not a fraud/identity theft, and they will escalate the case and have it resolved in 5 business days. I called after 5 business days, and this time the rep told me that they won't be able to fix the problem until I submit my SSN card, my utility, and my driver 's license information to them, which I did. It's been more than 2 weeks since I submitted my information, and no updates from them, and I continue to have problems logging into my Equifax account, and my credit application has been denied due to my Equifax credit report being frozen and I couldn't unfreeze it.
Consumer complaint received 2024-04-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.
Consumer complaint received 2023-12-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (PA)

I applied for public service loan waiver when that went into effect and sent all of my paperwork in to fedloan who was in charge of pslf program. I was pleased to find out I qualified for the forgiveness and had made 159 qualifying pslf payments. My 120 payments ( 10 years worth ) according to fedloan would have been done on XX/XX/XXXX ( I have the letter from fedloan ). According to the XXXX waiver, any payments made after 120 would be refunded to me as an overpayment due to waiver. Well I waited to get my refund check from the department of treasury and never recieved anything. I waited the recommended time frame of 4-6 weeks and emailed fedloan and asked when to expect my refund. Fedloan emailed back and said they didn't have my payment records on my loans after XX/XX/XXXX so they had nothing to send to department of treasury for refund. This was not true, because when I had access to my XXXX account online I could see all of my payments that qualified for XXXX and it was 159. They told me that since my loans were discharged through the pslf they no longer had my records and would have to open a reconsideration case with department of education FSA. Which I did file a case complaint/reconsideration and got a letter that makes no sense. They said that because my loans were paid off in XX/XX/XXXX, and I didn't make payments after that I would not get a refund. They didn't even look at my emails I sent them saying I qualify for pslf as of XX/XX/XXXX and will be due to get refund after the 120 payments. I am getting the run around and no one has my records it seems of my pslf and how many payments I have made. This is frustrating. I need help as fedloan is not even in business anymore. I reached to nelnet who is supposed to be holding my records but when I called they said they could not help me because they were not my loan servicer, but my loan servicer who handled my pslf is no longer in business. I am not sure how to handle this. I have been on reddit and people who were in the exact same position ( no refund, even though we clearly qualified for it ) had said to file a complaint here for help and they had some success. Thanks for your time and help.