davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

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 2018-05-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (MA)

XXXX XXXX scam : I'm sure this isn't the first one that has been submitted as a scam. Poster claimed he would sell me XXXX / XXXX game 2 tickets for {$650.00} for 2 tickets. I tried everything to detect a scam - called him, asked for confirmation # 's ( to which he created a fake customer support line for XXXX ticket office and doctored emails ... ). I decided to trust him. When I sent the money, he deleted his text.me phone # and stopped responding to emails / calls / texts. My contention is that his name is fake the name he gave me, XXXX XXXX, is not the same name associated with his voicemail ( I found out later ) and I would wager not the same name he has on his bank account. This violates XXXX XXXX T & C and therefore, the transaction should be void. I contacted XXXX and they told me there is nothing they can do. There is a clear lack of consumer protection and anti-fraud protection with XXXX.
Consumer complaint received 2023-11-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (MO)

My loans were recently consolidated as XXXXXXXX XXXX and placed under the XXXX repayment plan. Even though everything had already processed and was set up to auto pay on XX/XX/23, MOHELA came along after the fact and placed my account on administrative forbearance, making interest begin to accrue at the higher rate than I had been receiving due to auto pay sign up ( plus, with my XXXX plan, with regular payments I shouldn't be paying interest at all ). I called and spoke to a representative, who assured me the forbearance would be removed. I have since received ANOTHER notice that MOHELA placed my account on ANOTHER administrative forbearance, extending it even further. I sent a message on XX/XX/23 via their online system ( they were closed for veterans day ). I also called on XX/XX/23. The representative assured me that the forbearance would be removed and I would not be responsible for the interest. She assured me I would receive a letter stating that information. To date, I have not received anything and my account remains in forbearance.
Consumer complaint received 2023-11-15
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I've been going over my account trying to get my funds back due to Fraud. Bank of America prepaid claims as agent misfiled my claim staying that I said I never received my card which I never stated that so now bank of America keeps denying my claim because there agents missfiling. I've called multiple times letting them know the claim was misfiled and they still keep denying it for the agents missfiling that card was never received it's almost like it's being auto denyed. They have already refunded all the other XXXX XXXX  and XXXX except these ones. I keep reaching out but it's like nothing is being taken seriously. I don't see how they can continue to do this to people I'm sleeping outside it is freezing in Ohio I almost froze to death last night I'm also XXXX and bank of America has no care and is improperly investigateing these claims. I can die out here and they don't care even though they are the reason that all this fraud was allowed on my account I've sent I police reports and identity theft paper but they still have n care. If something happens to me it's on bank of America because they could have help prevent this. it's not fair what they are doing to people and there lives because of a mistake on bank of America behalf.
Consumer complaint received 2018-05-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (FL)

I received an alert from my credit report that XXXX XXXX reported a collection that showed up on XX/XX/2018. 
It seems like Midland bought my debt from my former creditor but I was not made aware I have a new number and moved last year I contacted Midland once I found out I had that debt that knocked down my FICO score 40 points. 
I explained that I was not contacted due to the institution not having the correct information. I provided them updated information. 
I spoke to several people and I was unable to come to a resolution.
Consumer complaint received 2023-03-13
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: Experian Information Solutions Inc. (NJ)

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 : XXXX XXXX XXXXXXXX, Dept of Ed 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 right to privacy.

15 U.S.C. 1681 section 602 a Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions.

15 U.S.C.1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make a consumer report containing any of the following items 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 2017-04-08
Product: Credit card — 
Issue: Other — 
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

Dear Citizens Bank I am making a formal complaint that you are reporting inaccurate credit information. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

In my letter to the Citizens Bank I request physical proof of verification, while providing proof of my identity. I still have not been provided any documentation with merit alongside my signature attached. According to section 609 of the FCRA, the credit reporting agencies are REQUIRED to provide proof of verification, proof that the accounts belongs to me. If they are not able to provide this then they SHALL delete the accounts from my credit report. 

The guidelines provided by FCRA are clear. This shows that Citizens Bank is violating my rights under this law. I sent out a certified letters to Citizens Bank and have tracked delivery confirmation that they received my letter. 

I did not authorize anyone employed by this company to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. 

I am making this final goodwill gesture to allow you to correct your erroneous reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint next with the Attorney General 's office, should you continue in your non-compliance. 

1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act The following inquiries were without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors XXXX, XXXX, XXXX. 

Appreciatively, XXXX
Consumer complaint received 2024-03-14
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

On XX/XX/2024 I issued a payment of {$17000.00} to Bank of America to payoff an auto loan I carried with them. I issued the payoff amount through my Bank of America online auto loan account. The funds were taken from my personal bank account at XXXX XXXX on XX/XX/2024. Bank of America never applied the funds to my auto loan, and is refusing to give them back. I have called each day since XX/XX/XXXX, and continue to not have the funds applied to my auto loan or returned to me. Bank of America is fraudulently keeping my funds. Please advise what next actions I should take.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. 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 2023-11-15
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

Todays date is XXXX. I had filed a claim on my bank of america EDD debit card back in XXXX. I filed XXXX claims XXXX was for {$100.00} the other {$5000.00} and the last one was for $ XXXX. The bank refunded me the first XXXX decided in my favor but the XXXX claim the $ XXXX they don't want to pay bac. This case was XXXX years ago so much time has passed that they cant even investigate even if they wanted. I believe just the time it has taken for them to respond to my claim i should get refun. I asked them for what documents they used to determine the outcome they just sent me my statement thats all. Showing me a copy of my statement don't mean anything.
Consumer complaint received 2024-04-29
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: PLANET HOME LENDING, LLC (OK)

I was contacted by Planet Home Lending to look at an IRRRL for my VA mortgage. 1 month in, I was told, " We have the rate locked. '' Then, " I am sorry, I was looking at the wrong file ; we don't have this locked yet, but it should be any day. " ; but during this interim, I was told not to pay my mortgage because it would somehow hinder closing. 

I followed this guidance until the XXXX day after my normal due date but then paid regardless of their guidance. 

XXXX weeks later, I received another notification, " We have your rate locked, don't pay your mortgage. '' I verified that they had, in fact, obtained a new rate and requested updated disclosures. 

Taxes and escrows were completely estimated, and the structure of the new loan not only absorbed all equity I had already built but then added another $ XXXX to the principle. 

I declined based on misleading information from verbal/email communications to the resulting disclosures. Had I not been a more prepaired buyer, this would have turned into a predatory activity undertaken against me. 

I want you to make an information request for all communications that I have had with Planet Home Lending from XXXX to any of the following : XXXX XXXX : XXXX, XXXX XXXX XXXX and especially XXXX XXXX XXXX. 
Loan number : XXXX I am in a situation now where, based on their twice guidance to " Not pay the mortgage '' due to closing, I am paying my mortgage on day XXXX instead of day XXXX, resulting in a late fee. I have requested that they take internal action as this was a product of their guidance, which they refused. Further, what this resembled was to create a situation of fear and emotion where it was conveyed, " If you don't close, you are going to be a month behind, '' and then being offered predatory terms. 

I am very XXXX off that an organization could be allowed to leverage the XXXX loan program against me, a combat-wounded veteran, for the purposes of creating a difficult situation and then seeking to profit from the situation that was created. 

Further, when I brought this up, I called their resolution department, and they wanted me to go to the XXXX for a hardship evaluation, proclaim ( make up ) financial hardship, or cite " COVID '' in order to qualify for a deferment from the XXXX. I told them that I was not interested in lying. 

I want them remanded and I want some other loan provider to service my mortgage. 

Thank you.
Consumer complaint received 2023-11-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I recieved 2 different emails on XXXX from Bank of America that they have processed my 2 balance transfers. I immediately called them to let them know I did not request any balance transfers and that they are fraudulent. They said not to worry and they would take care of it and I was not responsible for fraudulent charges. Was glad they were on it and went on with life. About 2 weeks later I received 2 letters from Bank of America stating that my claim was denied and transfers were valid. I started to panic and called the fraud dept at B.O.A. and was wanted details on how they came to that conclusion. All they told me was one transfer was to a " XXXX '' mastercard and other one to a " XXXX '' card. I told them again I did not authorize any transfers and to follow the money to owns those cards. The agent told me their investigation had concluded and nothing more could be done. I really started to panic as both transfers added up to over {$10000.00}. Told the agent I needed all details on the 2 cards that initiated the transfers and she told me they aren't allowed to do so. Also 1 card had been locked down 2 weeks earlier and how a transfer could be made on a locked card. No response and here I am.
Consumer complaint received 2016-02-28
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (VA)

I HAVE A PREDATORY REVERSE MORTGAGE WITH XXXX MORTGAGE, FORMALLY XXXX REVERSE MORTGAGE. THEY CHANGED THE NAME OF THE COMPANY TO XXXX, BUT STILL OPERATE OUT OF THE SAME ADDRESS AND PHONE NUMBER AS XXXX REVERSE MORTGAGE. MY CHECK SHOWS UP AS LATE AS THE XXXX OF THE MONTH, AND THEY HAVE REDUCED MY CHECK BY {$150.00} PER MONTH DUE TO A FLOOD INSURANCE COMPANY CLERICAL ERROR. ALSO, I FIND OUT AFTER THE LOAN IS IN PLACE, THEY ARE NOT PART OF HUDS REVERSE MORTGAGE DATABASE FOR PROTECTION. HOWEVER I WAS GIVEN HUD APPLICATION FOFMS TO SIGN AS PART OF THE LOAN PROCESS.
Consumer complaint received 2024-04-29
Product: Debt collection — I do not know
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: TrueAccord Corp. (NJ)

On XX/XX/XXXX I received a letter from trueacord allegedly saying that I owe money. I don't know what they are talking about I don't recognize that the letter was sent under a similar name. That I believe is not me.
Consumer complaint received 2017-04-06
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OK)

I had an auto loan that was disputed after a wreck due to multiple departments of USAA telling me different things. I had asked for GAP when I purchased the car but USAA informed me the box must have been unchecked and since I did not pay for GAP I had to satisfy the balance. This information of not having GAP insurance was not provided to me until months after totaling the vehicle. Until that time I asked if I needed to make a payment or wait for GAP to go into effect. I asked how long it would take and if there was anything else I needed to do, and was told multiple times that GAP can take awhile and the XXXX departments are not allowed to communicate with each other. Once I was informed I did not have GAP the claim went into dispute. USAA and I reached and agreement that once the outstanding balance was paid they would update my credit as my only concern was repairing my credit, because once I found out I did not have GAP my credit was already damaged. Below is part of the email sent on XX/XX/XXXX that outlined the outstanding balance and update to the credit bureau. 

Per your request, I did reach out to the Member Debt Solutions department of USAA Federal Savings Bank. USAA individual from Member Debt Solutions ( name removed ) confirmed that an outstanding balance on the auto loan does remain. She advised that once the outstanding balance is resolved, they will update the credit bureau report. 

This outstanding balance was satisfied on XX/XX/XXXX. A credit report was recently done as I am trying to buy a house. The full balance from USAA still shows as unpaid as of XX/XX/XXXX, I have contacted USAA who could tell me that the balance has been paid, but was unable to comment about why an outstanding balance for the auto loan is still showing up on my credit nearly three months later. I do not understand why this has not been resolved as we agreed.
Consumer complaint received 2023-11-15
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (NV)

On XX/XX/24 I went for a routine Dental checkup. I was told I have soft teeth and the only thing to prevent them from chipping apart would be to crown most of them. This was over XXXX total. My insurance doesnt cover anything. I told them I would call back the next day and book my procedure. As I stated looking online I noticed the rates were higher than other places. So I decided not to proceed. Then on XX/XX/XXXX I received a bill from Alphaeon credit for over {$300.00} in interest and late fees on something I never even got done! No service was rendered. They did not call to follow up or anything, I had decided to just go to XXXX for my dental work after I get my passport.
Consumer complaint received 2023-11-15
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: ALLY FINANCIAL INC. (NJ)

Vehicle 1- Agreement XXXX lease expires XX/XX/XXXX 1 ) Age Discrimination : grant then deny purchase, continued unreasonable inquiry, refusal to accept proof of income ( social security and survivors benefits, pension. ) refusal to allow online reapplication to purchase 2 ) Unable to contact : Unable To Get return email or calls in 3 weeks time and on hold for two hours Regarding any extension or purchase issues /inability to acknowledge deceased co-applicant after providing death certificate 3 ) usurious mileage penalties Vehicle 2 - Agreement XXXX Destroyed in accident XXXX 1 ) refusal to remove remove from my credit report 2 ) refusal to reimburse me for registration fees because they refused to hand in the license plates, and Im still registered with this vehicle with the state of New Jersey and failure to acknowledge any certified letters that were sent regarding this matter
Consumer complaint received 2023-09-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (FL)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2024-04-29
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: AMERICAN EXPRESS COMPANY (MA)

II have submitted several claims in regard to several lost XXXX XXXX XXXX XXXX. The Claim numbers are as follows : XXXX XXXX XXXX XXXX I have repeated attempted to XXXX XXXX ( XXXX ) in regards to the claim. I have left multiple messages and have not received any callback. All of the items in these claims are of New condition purchased on XXXX. The above claims were denied for the following reasons : " No coverage is provided for a covered purchase which is/are : 4. one-of-a-kind items including antique, artwork, furs, or previously owned and used items ( except when refurbished by the original manufacturer ). '' None of these claims have any items that are one-of-a-kind, are not antique ( According to 19 CFR 10.53 - antiques are items of at least 100 years old ), are not artwork, furs, and are not previously owned. I am not sure why I am being denied, and any attempt at discussing the denial has been met with no response from the company.
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

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 2017-05-17
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. (MD)

For almost an entire year, I 've been trying to work with Transunion to delete inaccurate information from my credit report. I sent disputes in writing on  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX , and  XX/XX/XXXX .     Transunion is reporting that several of my accounts were " Included in bankruptcy '' but that is not accurate.     The only accounts that were included in bankruptcy have already been deleted from my credit report by the credit grantors.     The following accounts need to either be deleted or updated as closed and " paid in full '' accounts :  XXXX   XXXX  from  XXXX  with account number :  XXXX  ;   XXXX    XXXX  from  XXXX  with account number :  XXXX  ;  XXXX   XXXX  from  XXXX  with account number :  XXXX  ;  XXXX   XXXX  from  XXXX  with account number :  XXXX  ;  XXXX   XXXX  from  XXXX  with account number :  XXXX  ;  XXXX   XXXX  from  XXXX  with account number :  XXXX  ;  XXXX    XXXX   XXXX    from  XXXX  with account number :  XXXX  ;  XXXX   XXXX  from  XXXX  with account number :  XXXX  I am requesting validation from Transunion because this is not the information I receive when I contact these companies individually. For months, Transunion has disregarded my disputes as frivolous and they ask me to contact the companies because according to their investigations, the reporting is accurate.