davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-17
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: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

My name is XXXX XXXX and over the two years, my information and identity has been compromised including unauthorized transactions/activity on my Bank of America accounts. This has caused Bank of America to freeze all of the money I had during a National pandemic restricting all access to funds. With my accounts being compromised I was not able to make payments to any of my bills as I was not able to open another account when all of my funds were in all of my accounts with Bank Of America. Bank of America has reported to credit agencies which has severely impacted my credit and score and ability to open another bank account. Since this has happened, other personal information has been used of mine for government benefits and attempted business loans. I was instructed by XXXX  and FTC to report what I can in efforts to repair damages done by Identify Theft. Please let me know what additional information is needed to repair damages and repair credit as all of this has caused a lot of financial stress,  inability to open another bank account, increased XXXX, restricting funds to provide for our family and limitations on what I am able to do now that my social security number and all personal information has been compromised. 
My Son also had his paychecks from XXXX going into his account and the money that was in the account ending in XXXX was all used to pay back unauthorized transactions from government benefit deposits that I did not initiate of make use of. Prior to this he had a balance of XXXX. Now he also had to start over as is money are parts of our savings were used to pay back funds we did not authorize in or out. Out of mine and my wifes savings XXXX was not recovered Our bank account had been compromised Bank of America has treated us like criminals and very rude to us since all of this has happened. At no point helping us or providing any helpful information
Consumer complaint received 2020-08-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

SOMEONE USED MY PERSONAL INFORMATION TO STEAL MY IDENTITY AND OPEN FRAUDULENT ACCOUNTS WITHOUT MY CONSENT AND KNOWLEDGE THEY ALSO FILLED OUT SEVERAL FRAUDULENT APPLICATIONSI am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX   CRAS. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-08-17
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (IL)

I refinanced two mortgages with closing date XX/XX/20. 
I opted to lock within 10 days of closing. 
I learned after the fact that there was a 1/4 % discount available if one chose a 15 day lock. This was not disclosed to me. Had I known about it, I would have chosen the 15 day lock option to take advantage of the 1/4 % discount ... which in fact I did on 3 additional refinances I performed with Quicken in XXXX and XXXX of this year. 
Both the regional VP ( XXXX XXXX ) and the Senior VP of mortgage banking ( XXXX XXXX ) at Quicken were quick to acknowledge that " absolutely, this discount should have been disclosed to you, but .... ''
Consumer complaint received 2024-04-13
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: KEYCORP (FL)

DEAR XXXX, This was your response from XX/XX/2023 in regard to a compliant that I had submitted.Please find new evidence to support my compliant and desire to have the private loan discharged on the basis that XXXX is the one that serviced me and led me to Laurel Road. It is now my understanding that XXXX is returning the the Federal status and that all of this actually will reverse the response below. Will I soon be able to have my Federal Student Loan, once again serviced through XXXX under my approval for the Borrower Defense decision and decree? 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX Is a Servicer to Federal Student Aid You have a network of support to help you succeed with your federal student loan repayment. Find out how Federal Student Aid partners with loan servicers to be here when you need help.

Support You Can Trust You can visit StudentAid.gov to see a list of our trusted federal student loan servicers, or submit a complaint directly to the FSA Ombudsman. 


" Proceeds from your Laurel Road student loan were used to pay off federal and private student loan debt. Please find enclosed a copy of your promissory note for review of the terms and conditions provided with your refinanced loan. Please note, by refinancing, any federal student loans are no longer considered to be federal, and therefore no longer qualify for federal student loan benefits provided by the XXXX XXXX XXXX XXXX XXXX XXXX  ). Additionally, any benefits provided at the sole discretion of any previous private loan lenders are no longer applicable. We strive to make this clear throughout the application process, as noted under Federal Loan Alternatives in the enclosed disclosure : Please note that if you refinance qualifying federal student loans with Laurel Road, you may no longer be eligible for certain benefits or programs and waive your right to future benefits or programs offered on those loans. Please carefully consider your options when refinancing federal student loans and consult XXXX for the most current information. 
If you have any additional questions or concerns, please dont hesitate to contact one of our ''
Consumer complaint received 2020-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

FEMA/Treasury grant from Hurricane Sandy Flood Disaster from XXXX converted to a loan illegally in XXXX and at an interest rate of 40 % in bad faith showing on my credit report as delinquent. Which is in correct because I am in court with legal disputes and also making paying every month from my USA Treasury check as dispute continue. There is a legal court document granted against FEMA/Treasury signed by a Federal Judge. There is also medical necessity and sufficient proof from supporting papers that there is a major violation of Federal Truth in Lending Disclosures Act and credit reporting act under FTC law.
Consumer complaint received 2020-06-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems (PA)

I check my credit report every week. I noticed my score dropped and this company is on my credit report stating that I owe over {$1200.00} to XXXX XXXX  XXXX XXXX. I have never received a letter or phone call from this company.
Consumer complaint received 2024-04-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Law Offices of Mitchell D. Bluhm & Associates (PA)

I received a notification that there was a derogatory account added to my credit report as I get frequent updates due to the fraud alert placed on my report. When disputed, I requested proof of ownership as I did not receive any information pertaining to this debt prior to it being placed on my credit report. I disputed it these times and have yet to receive the information I have asked for.
Consumer complaint received 2020-08-17
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: Conduent Incorporated (OK)

I live in Oklahoma and due to Covid 19 lost my job in late XXXX. I began collecting unemployment benefits and requested the funds be direct deposited to my XXXX XXXX checking account. All was fine until a month ago when unexpectedly the direct deposit stopped and funds were simply loaded onto my Go Program debit card. In the past month I have phoned their customer service department at XXXX. The first time I spoke to a CSR they verified my bank account info and said my bank rejected the payment. I then phoned my bank and was assured my bank account info was accurate and the file showed no attempt of a deposit. I called Go Program a second time and was told the office temporarily halted direct deposit and suggested I phone back in a week for an uodate. On my third call the automated system warned me I would be charged a fee if I spoke to an agent more than 2 times in a 30 day period. I waited and spoke to a csr who stated something was wrong with my direct deposit. They didn't know what specifically or when I could expect resolution and suggested I phone back in a week. I placed my 4th call  on XX/XX/XXXX. This agent told me direct deposit was no longer being offered. I pressed her for explanations and details but she claimed to have no additional information and this issue affected everyone in my state on unemployment.
Consumer complaint received 2020-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

I used my XXXX XXXX Citi Credit Card to purchase airline tickets on XX/XX/XXXX for {$570.00}. This was also my full balance the XX/XX/2020 Stmt. XXXX XXXX cancelled the flight and refunded the {$570.00} for cancelled flights and refunded the {$570.00} to my card on XX/XX/XXXX. The payment for that period was not due until XX/XX/XXXX. This caused my stmt balance to be XXXX  and my Citi app said XXXX payment due. Then once my XXXX billing cycle closed my account all of a sudden said 6 days late and {$29.00} late fee. The App said XXXX due and the stmt balance was 100 % credited back for the only items charged. I messaged Citi thru app to discuss. They then started a discussion then went dark on me. So I then called customer service and spoke to a few different people when transferred numerous times. I finally was having a discussion with someone that said they should be able to credit back the fee but system wouldn't let them. They also said no supervisor was around to help me. So today I tried one last time and discussed issue with online rep. XXXX was rep name and she tried to also credit the late fee back due to the reason. She also said she couldn't do it since the system would not let her and she cant override.
Consumer complaint received 2024-04-13
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (NY)

exxon mobil card through citi-bank is raising APR to 34.24 interest, they are also doing it on the Shell oil card. This is a rediculous amount of interest, They are adding to the inflation problem in this country.
Consumer complaint received 2023-09-22
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

REQUEST FOR ACCOUNTING! 
U.C.C. 9 210 and other applicable laws. 




Reference accounts # XXXX Dear Bank of America CFO This communication is with reference to the alleged contractual relationship, I have a right to an authenticated record of accounting. I am not requesting a statement of account, for an authenticated record of the accounting. I am hereby disputing the non-performance of fiduciary duty under Federal Reserve Act section 16, and to require that you provide the requested securitization audit information within the time allotted by law, which is 14 calendar-days.

I do wish to thank you for your time in providing this information, which is readily available to you as the custodian of records, and/or the collective entity. Please note that each day beyond the 14th calendar-day of receipt of this communication I will BE assessing a {$33.00} per day penalty for your failure to comply and/or {$1000.00} per month, whichever is greatest. I have the right to this information as indicated by the Uniform Commercial Code : U.C.C. 9-210. REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OF ACCOUNT.

9-210. REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL.
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions 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. 

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.
Consumer complaint received 2024-02-06
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

Please rectify the error on my account by removing the incorrect late payment notation. I have always made timely payments and have never defaulted. This issue is significantly impacting my well-being and disrupting my sleep. I implore you to address this matter promptly and correct my account.
Consumer complaint received 2024-04-13
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP (CA)

The USBank Reserve Credit Card offers 3x Rewards points on all purchases made through mobile wallet payment methods like XXXX XXXX. However, since XX/XX/2024, cardholders have only been receiving 1x Rewards points for such transactions. This change has resulted in the loss of thousands of points. Despite promises to address and resolve this issue, it remains unresolved.
Consumer complaint received 2020-08-17
Product: Checking or savings account — Savings account
Issue: Opening an account — Confusing or missing disclosures
Company: JPMORGAN CHASE & CO. (IL)

I was led to believe that if I opened a Chase savings account, I would be eligible to receive {$200.00} in bonus funds after 90 days. After having been led into opening the account, I was told after-the-fact that the {$15000.00} required to be deposited can not come from any other Chase account. 

I was misled into creating a useless savings account vehicle I do not want. This reminds me of XXXX XXXX.
Consumer complaint received 2022-11-02
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

Ive had a Capital One savings account since XXXX. It started at 2 % and went down over the years as interest rates went down. As rates have gone up they havent raised the rates on current accounts. Online theyre offering 3 % on new savings accounts ( not a teaser rate, that is just the rate ). My account is earning .8 %. I called them to ask why I cant get the 3 % that is advertised and they told me I could get it, but I had to open a new savings account. Thats a lot of work on the consumers end to get a fair interest rate. 
This is typically true with all banks ( I was in banking for 14 years ). When rates go down banks drop what they pay on deposits immediately. When rates go up however, banks create a new name for the same type of account and offer a significant higher interest rate on the new account than they offer their exhausting customers. Its a rip off. Banks are ripping off their current deposit customers and making a ton of money off of it by betting the average consumer wont notice, thus basically providing the banks free deposits and more profit as rates go up. 
I know the CFPB is super focused on unauthorized account openings and various other items, but this needs to be addressed as well. We are in a rising rate environment and banks love taking advantage of people when that happens.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (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. 

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 2020-08-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO. (CA)

I received a letter from Chase on my credit card account ending in XXXX offering me to settle the account in the amount of {$1600.00}. I have already settled this account with XXXX XXXX XXXX which took over the collection and paid them in 3 installments as agreed upon. I have attached the copies of the cashed checks as well as Chase 's letter.
Consumer complaint received 2020-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION (CA)

I requested a deferment and received a deferment agreement from Fifth Third Bank. in the agreement it stated the company was going to defer my XXXX, XXXX, and XXXX payments due to COVID and i was told this would prevent negative marks going on my credit report. But they put negative marks on my credit report anyway. When i asked them to remove them due to the agreement, they said they couldn't do that and told me i needed to file a complaint with the FTC, they FTC sent me to this website.
Consumer complaint received 2020-08-17
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: AXOS FINANCIAL, INC. (CA)

We have a high interest loan with Axos Bank that we are refinancing through XXXX XXXX. XXXX XXXX has requested a demand statement letter from Axos Bank on Monday XX/XX/2020. On Friday, XX/XX/XXXX I was informed by XXXX XXXX that a letter has not been received from Axos Band and the loan will expire in 10 days. I sent an email to Axos Bank on XX/XX/XXXX to : Axos Customer Service XXXX, Compliance Team XXXX, XXXX XXXX XXXX   XXXX, XXXX. I was blocked from the Compliance team email and have not heard from anyone to date with the exception of a computer generated email informing me they have received my email. On saturday XX/XX/XXXX I called a new phone number on that email, XXXX that said I could call 7 days a week. I was sent to the loan department by the first person but the loan department does not work on the weekend so I went to voicemail. I called back and when asked to speak to a manager I was disconnected and the third time I called I was informed I had to call back on Monday morning at XXXX. I called Monday, XX/XX/XXXX at XXXX XXXX., waited on hold for 35 minutes and was then sent to the loan department where I was assisted for 2 minutes then put on hold again for 20 minutes only to be directed by the phone system to leave my phone number and someone would call me back as I noone was available to help me. I had to file a complaint with CFPB about Axos Bank about a month ago for a similar issue.
Consumer complaint received 2022-11-02
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XX/XX/2022, I wrote to XXXX, XXXX, XXXX requesting an investigation into items that I believed were inaccurate. To date, I have not received a reply from them or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that they reply within a reasonable amount of time. I still have not have not received any form of communication regarding they matter.
Consumer complaint received 2020-08-17
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: Experian Information Solutions Inc. (SC)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2020-08-17
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. (SC)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.