davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

Over the greater part of the last year I've been disputing inaccurate credit reporting on the behalf of XXXX. I've completed countless dispute with both the creditor bureau and XXXX to no avail. My latest dispute was a recent as XX/XX/XXXX. I was notified in writing XXXX reviewed my account and an adjustment was made and reported to the bureaus. It's now XX/XX/XXXX and XXXX most definitely made an adjustmentit 's just further inaccurate. I'm disputing accounts that contain late payments as recent as XX/XX/XXXX. Well, unless you've been under a rock, there is a government mandate to cease loan payments until XXXX due to Covid 19. To add insult to injury the accounts I'm referencing have been closed since XX/XX/XXXX. So in a nutshell I'm receiving late payments on closed accounts, despite the government mandate. In all it's a total of 6 late payments. My credit score has taken a 42 point hit because of this and no one seems to care to help, including the CFPB. I've attached a copy of my most recent credit report for review. Also, I explained to XXXX that as a consumer I have the right to privacy and I never authorized XXXX to report on me. I was told that information was included in my MPN, which it does have a section entitled " credit bureau notification ''. However, my understanding of 15 USC 1681a ( d ) ( 2 ) ( i - iii ) is that the report excludes information solely as to transactions or experiences between the consumer and the person making the report. In addition, the corporation or any of its affiliates has to be explicit in communicating with the consumer that said corporation ( XXXX ) intends to share any private information prior to initially sharing it with a third partyallowing the consumer to direct that such information not be communicated. I at no time neither via writing or verbally was disclosed this information. So in essence, XXXX is wrong in reporting wrong information, wrongfully.
Consumer complaint received 2018-06-26
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America ( BOA ) sent credit card bill via email and I missed seeing it in mid XX/XX/XXXX. I also thought I had closed the credit card in XX/XX/2017.

BOA sent a subsequent credit card bill via email and I followed up to find out what the charges were and to make sure the account was closed via BOA customer service ( early XX/XX/XXXX ). The {$12.00} bill was paid and then BOA closed the account. I thought all would be well but there is more I was notified around XX/XX/XXXX via a XXXX  alert that my credit score had dropped 110 points due to a delinquent account. I subsequently confirmed it was this BOA credit card. 

I sent an email to BOA asking for an investigation and to see if they would remove the report for the late payment/delinquent account to the credit bureau on XX/XX/XXXX. On XX/XX/XXXX, XXXX at BOA informed me that the payment was late ( true ) but that there would be no forgiveness on their part. 

Request : Given my credit history and I believe not a single late payment in the last seven years and perhaps longer, I am asking for the CFPB to ask BOA again to remove the reporting of a late payment from my credit report given the small amount. I realize that BOA does not control credit scores but a late payment on a {$15.00} credit card bill should not cause a credit score to drop by 110 points.
Consumer complaint received 2021-09-30
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Four Directions Lending LLC (ME)

Upon investigation of this company I found out that according to Maine law they were not allowed to charge me more than a 30 percent interest rate and a XXXX finance charge for the amount I borrowed. 
I emailed this company on XX/XX/2021 informing them of my findings and requested they return my overpayment. 
Up to that date I had paid XXXX payments of XXXX and XXXX payment of XXXX for a total of XXXX which resulted in an overpayment of XXXX after the deduction of XXXX for loan amount, XXXX in interest and XXXX finance charge. 
I received an email back indicating they had closed my account in good standing but would not return any money. 
I let them know that as far as I could see they had no license to due business in the state of Maine and regardless of their claim of tribal immunity they had to abide with state licensing laws. 
I have received no further responses from them. 
The fact that they closed my account so easily leads me to believe they are hiding something.
Consumer complaint received 2021-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (MD)

I got a Discover Secured Card for {$1000.00} I had it for 6 months! I had applied for a non secured and got approved but they wanted me to grant them permission to go through my taxes and IRS personal information! I declined - do they closed my secured card which had NOTHING to do with my new application for non secured! They have my money, and have hurt my score I have been building up this whole pandemic! How dare them I did nothing wrong! The card was opened 6 months but when I tried to get a card no secured they hurt my secured??????? They are backwards! Only company asks for IRS permission. They need investigated!
Consumer complaint received 2021-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (MI)

I made a payment to my Comenity card which was cashed by Comenity in XXXX. I filed a dispute with them TWICE and sent in a copy of the cancelled check. They are not responding to me or applying payment. I called today and they told me they need more proof. What other proof is there other than a copy of the check that they cashed?
Consumer complaint received 2021-09-30
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NV)

On XX/XX/2021, I sent a letter in regards to mistaken and obscure things on my credit report. Right up 'til the present time, more than 30 days after the fact, I have not gotten a reaction at this point. I feel like I'm being taken advantaged of and being overlooked. Section 611 ( a ), It expresses that inability to research these things inside 30 days gives motivation to quickly eliminate those things from my credit report. It's been more than 30 days so they ought to be erased immediately. I request that these records be erased quickly or I will petition for case because of the pressure you have caused me. My data was likewise affected by the Equifax data breach and may have gotten under the control of some unacceptable individual.
Consumer complaint received 2021-09-30
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. (NJ)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2022-05-26
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: AmerAssist A/R Solutions, Inc. (SC)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.
Consumer complaint received 2024-04-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NJ)

To whom it may concern, I hope that this message finds you well.

I am writing to you about an extremely unpleasant experience that I encountered while banking with Chase. On XX/XX/year>, my Chase account was frozen and later permanently closed due to potential fraud ( someone was trying to use my XXXX to send money ) .I was not informed of the closure and had to find out by going into a branch. 
The local banker helped me to submit the request to issue the check with the refund in XXXX and was told the check would arrive in early XXXX. However, the check did not arrive. We followed up with the banker, she followed up and told us that we could expect the check late XXXX or early XXXX. Well, that did not happen. Meanwhile, I called Chase customer service agents 5 to 6 times, each time I got a diffrent answer. 
We followed up again in XXXX, and the banker also called the back office again and was only told that the account was still under legal review & that there was no timeframe as to when the check will be issued. 

In a last ditch of effort before submitting this complaint to CFPB, I wrote an email to XXXX XXXX, the CEO of Chase, JPMs retail arm in XXXX, hoping to raise urgency and awareness to this matter. Unsurprisingly, no one has read/responded the emailIts already XXXX, and I am still waiting for the check This has been extremely inconvenient and time-consuming for me and for the local banker, for the issue has dragged for almost 6 months. Therefore, I wanted to reach out to CFPB and see if you can help me to resolve this issue. 

I do not have information of my exact remaining balance since my account has been closed. I could not log into my account either mobile app or online. 

I greatly appreciate your help in this matter.
Consumer complaint received 2021-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OK)

This pertains to all 3 credit report agencies experian XXXX XXXX and XXXX. I have extremely important questions about the credit reports that they have sent to me as requested im yet and still waiting on XXXX XXXX after multiple weeks. I absolutely can not get anyone to help assist me on the matters. Either my phone will ring and immediately hang up or I will get someone for 3/4 mins and the call drops., or I can never get through to get anyone! This is constant and my results every single time! Either my phone and line is compromised or this. No help! I have incorrect information on my account unknown countless insurance companies and utility providers all around the world auto loans loan notes dhs on my report, home loans, mortgage loans, financial counseling services, installment loans, sociL service agencies credit grantor credit card services and credit insurance.all unknown and does not pertain to me! Misspelled name on account, business and numbers fraudulent activity improper use of my account and sharing of informative delinquent and paid full unknown accounts. Missing basically my entire report of information that should be listed 6 different name id 's.
Consumer complaint received 2022-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (IL)

I applied for and received an American Express credit card offering {$270.00} cash back if the card was used for a target amount. I did this and received the cash back as a payment deduction. I decided to cancel the card 1-2 m later. Recently I received an e-mail indicated that the cash back was reversed and I now owed that amount. It was never made clear to me in any obvious way that the card needed to be held for one year for this offer to apply, only that I needed to use the card up to the target amount. I did not solicit this offer- it was a pre-approved solicitation by mail. 
It is likely that this one year rule was somewhere in the multiple paragraphs of the user agreement, but this was never made clear in any of the summaries of the offer, or when I cancelled. I had an AMEX card in the past for many years and was checking this one out because I received good service on that card. 
I think this is a shady way to do business. Why does AMEX make these offers and then revoke them? 
XXXX XXXX ( for record : birthday XX/XX/1955 )
Consumer complaint received 2024-04-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (TX)

From the transactional information from XXXX XXXX and Mr.Cooper, it appears that XXXX XXXX made 2 home insurance payments to 2 separate home insurance companies. One which was made to XXXX, the authorized and known company to provide my home insurance coverage from XX/XX/XXXX - XX/XX/XXXX and another to XXXX Insurance company which was not authorized to provide coverage for the same time period, XX/XX/XXXX - XX/XX/XXXX. Not only was XXXX not authorized to provide coverage, they took it upon themselves to charge 2 - 3 times more the normal cost. Why XXXX XXXX made that payment is unknown to me and they will not explain. I only found this out because the current mortgage company, Mr. Cooper, is now demanding an escrow payment of {$6300.00} and is threatening me for me to make payment or they will take actions to take my house. I don't know exactly what the {$6300.00} is based on but XXXXXXXX XXXX bill for this year 's coverage, XX/XX/XXXX is for a crazy {$5700.00}. I did not authorize or know that XXXX was billing the mortgage companies at ridiculous amounts behind my back and collecting payment on their unauthorized billings. I did find out that Mr. Cooper did pay XXXX this year 's coverage for {$2200.00}. 

The {$6300.00} payment is an erroneous and ridiculous amount of escrow to pay and Mr. Cooper is not willing to assist or cooperate in any manner to address the issue I discovered on their flawed analysis. Someone needs to step in and stop Mr. Cooper from forcing me to pay an escrow amount that is neither valid or legal to charge me. Action is needed immediately to prevent their error from escalating into something worse.
Consumer complaint received 2024-04-09
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: General Motors Financial Company, Inc. (WI)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make these unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and they clearly violated my rights
Consumer complaint received 2024-04-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo is giving me a very hard time. I recently put a claim in XX/XX/XXXX with Wells Fargo about XXXX taken from my bank account to XXXX to who knows where. I dont know. I filed complaints because Wells Fargo was giving me a hard time then eventually credited me {$1000.00} provisional credit. Then another provisional credit of {$3000.00}. Which I was happy about I got it back finally. Then in XXXX they sent me a {$1000.00} final credit that I was confused about and they ended up sending a letter that they accidentally sent me {$1000.00} extra and will take it out XX/XX/2024 and did. No issue, due to that is not my money to keep it was an accident from Wells Fargo. Now they sent me a letter stating based on information available to them they found the charges were made by me or someone who had my permission. So they will be taking out {$1000.00} again on XX/XX/2024. Now Im very frustrated because I did not authorize this transaction nor did I give anybody permission to steal money from me. Wells Fargo is now taking {$1000.00} from me XX/XX/2024 out of my {$4000.00}. Leaving me with {$3000.00}. Are they going to take the {$3000.00} now too? Im very disappointed to the point I could end up in a hospital Ive been on the phone back n forth with Wells Fargo XXXX and Wells Fargo again. Wells Fargo is beating me around the bush and dont want to take responsibility. I just want to keep my money and cancel with Wells Fargo completely. I am over this worry and emotional stress it is causing me and my family. Please can someone help me.
Consumer complaint received 2021-09-30
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: TRANSWORLD SYSTEMS INC (PA)

Total Original Amount {$10000.00} Total Current Balance {$36000.00} Total Amount Due {$1000.00} Does this even look right to you? my daughter needed a loan for school. i am the co-signer. My wife passed away on XX/XX/XXXX, XXXX due to the loss of income, i requested a reduction in my monthly payment. Since the beginning of XXXX, they have sent me the wrong application, an out dated application, lost my application and/or never replied to my emails. Now I'm getting calls from collection agencies demanding i pay yje past due amount and threating me. also, uas sent negative remarks to the credit bureau which now shows 82 days past due. They have ruined my credit because of their mistakes. I NEED HELP IN RESOLVING THIS MATTER
Consumer complaint received 2019-12-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: CITIBANK, N.A. (TX)

XX/XX/XXXX, tried to open checking online, received email to ask about documentXX/XX/XXXX, Fax document they need, CALLED AND THEY SAY THEY RECEIVE AND CAN BE SOLVE IN 7 BIZ DAYS!XX/XX/XXXX, transfered living money in this account, found I can not use it!XX/XX/XXXX, fax again, same documentXX/XX/XXXX checking got closed for no reason.left $XXXX dollars I can not use for almost one month.No one solve the issueCalled 10+ times, no any email or notice of what is the next step.
Consumer complaint received 2022-08-16
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. (MI)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2021-09-30
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Recovery Services, Inc. (CA)

I have contacted XXXX XXXX XXXX on multiple occasions advising them that I do not owe them any money. They cancelled my account and requested I return their equipment, which was done in XX/XX/2019. They continued to bill me {$9.00} per month for a software fee for the equipment, in addition to an early termination fee of {$250.00} totaling {$470.00}. 

They have now referred it to an outside collection agency threatening to damage my personal credit for something I do now owe. I should not have to pay a software fee for equipment that I have not used, nor an early termination fee when they ( XXXX ) closed my account, advising that my business was 'high-risk '. They not only put a hold on my one and only transaction, they refunded the amount of {$800.00} back to my client, in which I was never paid. 

My agent has reached out to them multiple times and they still insist that I owe them {$470.00} - The collection agency, Southwest Recovery - XXXX XXXX XXXX # XXXX XXXX TX XXXX - only transfers me to voicemail and no one ever returns my calls. 

I am already out of the lost revenue of {$800.00}, now they want {$470.00} which will bring my total loss to {$1200.00}. This should not affect my credit and is unfair as the Agent waived the early termination fee. I have uploaded a document showing XXXX advised that I do not have an early termination fee and I would be credited an amount of {$220.00}. 

Please resolve this miscarriage of justice, Thank you- XXXX XXXX
Consumer complaint received 2021-09-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (VA)

I was in the modification process for three years with PHH, they shared back in XX/XX/2021 that I'm elgible for XXXX if I were to move. Since PHH was unwilling to modify the loan and gave me the option to receive {$10000.00} to move, I sold the home. I have not received the XXXX as promised.