davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-22
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

I obtained a {$35000.00} XXXX Loan with Bank of America in XXXX. This loan was solicited to me as a fixed rate, 60 month term loan. However, the loan was converted in XXXX or XXXX to a revolving account without my consent. I have tried unsuccessfully to resolve this issue with the bank to no avail. From documentation I 've received, the bank does n't know how much the loan was for or the APR nor the terms. I 've received letter stating the loan was for {$35000.00} then another XXXX saying it was for {$37000.00}. In addition, I had a Bank of America credit card during this same time and all the terms and conditions on this loan mirror my credit card. Based on my bank records, I have paid over {$70000.00} on this loan. It seems predatory lending at it 's best. I have researched online and I am not the only customers with this experience with this type of loan from Bank of America.
Consumer complaint received 2020-03-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Frontline Asset Strategies, LLC (KY)

This company has continued to call after being told to contact by mail only. They have contacted my spouse who is not on the credit card and shared information with them regarding the amount of money owed and the last 4  of the credit card number. When I called them today to ask about them doing this they became very aggressive and threatening.
Consumer complaint received 2021-09-05
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. (IL)

On XX/XX/2021 I sent a letter regard inaccurate and unauthorized information reporting on my credit report. Since then, XXXX  and XXXX  have removed this items listed in the document attached. You are the only agency reporting this inaccurate item. I feel like I am taken advantaged and disrespected. I also think that my disputes have possibly gotten into the wrong hands of someone do to the inability to correct this noticeable issue. Please remove items immediately or filing for litigation will be the end result due to all of the anxiety this issue has caused me.
Consumer complaint received 2022-06-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Social Finance, Inc. (IL)

My bank account with Sofi was frozen. I was not notified the account was frozen. I only found out when trying to access the account. The online chat will not talk to me because the account is frozen. The fraud phone number never has any support available. Only the option to leave a message that they don't respond to.
Consumer complaint received 2022-06-02
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 — Their investigation did not fix an error on your report
Company: Mr. Cooper Group Inc. (CA)

Nationstar / Mr Cooper reported two missed payments ( 30 days ) on my mortgage which were due to errors within their own system ( auto draft ) as well as their inability to appropriately communicate these errors to the consumer by email, mail, or phone. This was disputed with Nationstar as well as XXXX. The dispute changed nothing.
Consumer complaint received 2022-06-02
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MS)

Hi, My name is XXXX XXXX I reached out to Experian and XXXX on XX/XX/2022 and it is now XX/XX/2022. I haven't received any information pertaining to my disputes of delinquent accounts on my credit report that do not belong there. Its been way over 30 days in which I have received a response in which they continue to have a XXXX card account and a XXXX unsecured loan that does not pertain to me or have the bureaus provided evidence on how these accounts are mine which is severely hurting my credit. I need the CFPB help in holding these bureaus accountable in which they are furnishing information on my credit report without my consent violating USC Laws, and FCRA violations in which I haven't received a response with 30 days pertaining to these accounts.
Consumer complaint received 2024-01-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (GA)

XX/XX/XXXX I made a deposit of {$2000.00} cashiers checks at XXXX into Chase bank atm. XX/XX/XXXX - Saw on my Chase mobile app that it said the funds would be available on XXXX back on the deposit receipt and saw also that it says the funds were to be held .Proceeded to Chase bank to get an explanation for why a cashiers check was put on a 7 day hold. At the branch the costumer service person gave my the Bank discrepancy help phone number. So I called the number and was told the hold was XXXX. XX/XX/XXXX - Called bank number, no explanation why funds were being held XX/XX/XXXX. Called bank number, no explanation why funds and being held.
Consumer complaint received 2022-06-02
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. (MI)

In accordance with the Fair Credit Reporting Act XXXX accounts below violated my rights to laws 15. U.S.C. 1681 Section 602A- which states that I have the right to privacy. 15 U.S.C. 1681 Section 604A Section 2- Consumer Report Agency can not Furnish an account without my written instructions. I have sent several request to remove this information. On XX/XX/XXXX, XX/XX/XXXX and they have not complied. Below are the accounts : XXXX XXXX ( XXXX SYNCHRONY BANK ) # ACCOUNT XXXX XX/XX/XXXX XXXX # XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX # ACCOUNT XXXX XX/XX/XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX  ( XXXX )
Consumer complaint received 2019-12-17
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. (CA)

Since XX/XX/XXXX I have contacted the creditor and all three credit bureaus ( XXXX, XXXX, and Transunion ) disputing the unknown inquires and asking them to provide documents to support their claim of authorization to run my credit such as identifying documents, a legal contract bearing my signature. For over six months all I get are " form '' letters no real facts when they should have provided these documents within 30 days according to FCRA law. They have continued to break the law while my quality of life suffers with multiple inquiries. This is my last attempt to resolve this issue without legal assistance. 

XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX  XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX  XXXX Inquiry from XX/XX/XXXX Auto Financing
Consumer complaint received 2022-06-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the Fair Credit Reporting Act XXXX accounts below violated my rights to laws 15. U.S.C. 1681 Section 602A- which states that I have the right to privacy. 15 U.S.C. 1681 Section 604A Section 2- Consumer Report Agency can not Furnish an account without my written instructions. I have sent several request to remove this information. On XX/XX/XXXX, XX/XX/XXXX and they have not complied. Below are the accounts : XXXX XXXX ( XXXX XXXX XXXX ) # ACCOUNT XXXX XX/XX/XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX # ACCOUNT XXXX XX/XX/XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX  ( XXXX )
Consumer complaint received 2022-06-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NH)

Dept. Of Ed/Fedloan Servicing ( PHEAA ) XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2022 In accordance with the Fair Credit Reporting act, Dept of Ed/Fedloan Servicing ( PHEAA ) , Account # 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 an account without my written instructions. 

15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer.

15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Consumer complaint received 2022-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc. (OH)

Experian I have recently been made aware of a collection agency whon would not release any information to me. About the DEBT. If they bought it and or assigned to the. Was the original creditor and did they write it off and close the account. 
I never got these answers because the over talked me got louder and endangered me while i was driving on the roads in traffic. 
I went online to see my report to get information abput this matter. I found 2 creaditors. I tried calling XXXX and was treated in the same way and never got answers. 

When I came back to the site there were offers of credit cards for me to view and experian suggested... I should get a CC to pay off a current up to date bill for XXXX dollars. 
I did open the offers and the intrest rates were anywgere ftom 39 % at a 60 mo repayment to 31 % and 24 % with different terms. 

I was not advised on how they could actually help me with my actual problems an instead encourged to open a nother line of credit at CRAZY HIGH INTREAST. 
I hope there r some rules to help consumers not fall pray to this insane plan. 
I ask what could they be thinking with such offers, are thet praying on me at a very volunrable time? 
The offer came accross asa a debt repair offer. If they are such an enity I feel they need to inform disclose and well. 
I think thet need to hire a responsiable company who would coach mentor and actuslly help the consumer in such times as befalls each american somwhere in there lifetime. 
To add more debt to pay a bill im current with at such high rates is not the first piratory. 
Experian are they masqurading as a credit reporting agency or debt collector, or are they prowling om the vunarable citizan who may think mthis will solve problems.I would like to know the nature of there business and do they receive kickback from the companies that they suggest to the consumer. 
Experian,,, arev they a CROA member and do they stand for consumer vs other corporations praying on the vunurable? 


XXXX XXXX
Consumer complaint received 2022-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (DE)

I recently checked to see if I was eligible for a new credit card through Chase since Ive had such a great experience. No where within the application screen did I sign an esign act consent or advise I obtained a credit score notice so there should not have been a hard inquiry on my credit report. I would like this removed as required by FCRA. The company made the page intentionally deceptive on mobile applications so that the consumer would not be aware what they were agreeing to. When I reached out to Chase to get this corrected, what I experienced certainly wasnt customer service. The agent advised they could not help and simply kept sending me links to articles. If I needed links to articles, I would go to XXXX. I asked for a supervisor callback and was advised they can not this. These big banks could care less about the people they make life harder for because they dont even make considerable profit from credit bureaus by generating these reports. Otherwise, why would they not make the experience more streamlined for their customers?
Consumer complaint received 2017-05-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc. (WI)

Received a phone call about a collection for  XXXX , contacted  XXXX  over the phone,  XXXX  stated no account was active and or open, requested from  XXXX  written information on account, was not able to receive information, because nothing was on file. Disputed account with  XXXX  back in  XXXX  over phone service which was provide and did not meet customer approval. This collections appeared on my credit report,  Diversified Consultants INC. Disputed collections, requested a settlement agreement with paperwork over the phone in a  conversation with Diversifi ed Consultants Inc . Th is conversation took place at my home in  XXXX    XXXX  , requested paperwork to prove nature of collections either by  XXXX  and o r Diversified Consultants Inc . I was not granted the paperwork for proof of debt and or billing statement being disputed from  XXXX  and or  Diversified Consultants INC. Re questing this company removed from my credit report any debt collections, we reached at a settlement and paid on  XXXX  the amount of  XXXX  $ I was told this would be removed from my credit report, however  XXXX  could request the addional  XXXX   . And could turn this over to a debt collector. Requesting an investigation,  XXXX  who hired this  comp any Diversified Consultants Inc. To  collect a deb, I need to know this is a true collections agency seeing nothing is listed in the State of Wisconsin  . I also  want this removed from our Credit report from  XXXX    XXXX  , all debt collections seeing we were not able to receive information on billing debt from both parties. Note we have been in contact with  XXXX , and requested to settle with  XXXX  directly, however no information was on file at  XXXX , Since  XXXX  we have been disputing and requesting data from  XXXX , which  XXXX  was not able to provide, In closing I would like a response to this investigation.
Consumer complaint received 2022-06-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the rights to privacy.

15 USC 1681 Section 604a Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 166b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

2 Bank accounts were opened in fraud using my identity- XXXX XXXX XXXX XXXX 

Citizens Bank Account : Around the beginning of XXXX, XXXX  an account was opened in my name. 
I did call and report this to the company and so they have all the supporting evidence. ( I can not find this in my archives! 
I received a letter XX/XX/202 about taking further action via the FTC. 

_________________________________________ XXXX XXXX Account : On XX/XX/2022 I received an e-mail from XXXX XXXX  that XXXX XXXX  : Checking Account was open : XXXX Savings Account was open : XXXX The accounts were linked.
Consumer complaint received 2021-03-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied International Credit Corp., (US) (GA)

Received a letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Va XXXX XXXX Name : XXXX XXXX Letter sent on the behalf of XXXX saying payment of {$42.00} was due. I have ne ver purchased anything on XXXX. And anyway, all purchases on XXXX are paid prior to receiving goods ... .. 

XXXX XXXX
Consumer complaint received 2020-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (FL)

My monthly bill payment is setup for AutoPay through my bank checking account. My checking account was potentially exposed for Identity theft and bank advised me to freeze that checking account and open a new one. The bank also advised that any payment in process may not clear. 

Unfortunately, my Autopay payment was in process and did not clear. So, I called the credit card customer service explained them the situation with my frozen checking account, and made payment through my newly established checking account successfully. 

Credit card company continued to make additional attempts to withdraw funds as per the AutoPay setup from my frozen account. The company charged me for Return payment charges after two additional attempts post my payment on XX/XX/XXXX. 

I called the credit card customer service to credit the fees but the response was - it is a legitimate charge and can not be undone. 

It is incorrect to have automated system try to collect funds through AutoPay channel after the payment was posted through another channel. This is a bad customer experience and potential for double payments ( and these could be large sums ). 

As a courtesy, Credit Card customer representative gave me XXXX miles credit to my Delta skymiles account. I told him that I'd rather have the incorrect charge corrected and he provided me with Corp services US Mail address but without any SLA commitments. 

Thus, I am reaching out through this portal for just resolution.
Consumer complaint received 2021-03-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Retail Merchants Associates (LA)

Retail Merchant association claims I owe them two separate amounts of XXXX and XXXX.I have sent certified letters requesting this creditor to validate debt. I have asked for billing and documentation with my signature and any all proof that this debt is owed to them. They have failed to do so and will not remove the debt from my credit report. Retail Merchant Association is failing to cooperate with me to validate this debt. Furthermore, this item is being reported as medical collection debt which is a HIPPA violation.
Consumer complaint received 2021-12-16
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. (VA)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2022-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Auto Loan XXXX Auto Loan XXXX My Auto Loans were set up to auto-pay on the XXXX XXXX XXXX website . I was doing my payments as set up in their system. Something happened in their system in XX/XX/XXXX. XXXX was skipped completely. There isn't even a statement for any of them. The issue wasn't my unwillingness to pay the bills but the XXXX XXXX XXXX auto pay not working. 
Customer service representatives told me that it is my responsibility to check that my bills are paid, but in the high of COVID when every business was close to closing and it was complete chaos globally, it is tone deaf to not take responsibility for their system not working but instead marking my loan as being late. Furthermore, I have been a customer of XXXX  XXXX XXXX for over a decade and never had a late payment except this. 
They also offered in that month of XXXX deferred payments for 90 days due to covid. Every statement after that doesn't have payments applied, which were made over the phone, since their auto pay stopped working, and I was trying to fix it. After multiple calls and attempts trying to address the issue, they told me that they stopped having the availability to set up the autopay, and instead, I had to set up manually a Bill Pay on their site with a fixed amount that I set myself, which has worked so far. They didn't fix the autopay issue until XX/XX/XXXX, almost a year later, when they sent in the monthly statements notice of the NEW process.
Consumer complaint received 2022-06-02
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. (FL)

Auto Loan XXXX Auto Loan XXXX My Auto Loans were set up to auto-pay on the XXXX XXXX  XXXX XXXX . I was doing my payments as set up in their system. Something happened in their system in XX/XX/XXXX. XXXX was skipped completely. There isn't even a statement for any of them. The issue wasn't my unwillingness to pay the bills but the XXXX  XXXX XXXX XXXX pay not working. 
Customer service representatives told me that it is my responsibility to check that my bills are paid, but in the high of COVID when every business was close to closing and it was complete chaos globally, it is tone deaf to not take responsibility for their system not working but instead marking my loan as being late. Furthermore, I have been a customer of XXXX  XXXX XXXX for over a decade and never had a late payment except this. 
They also offered in that month of XXXX deferred payments for 90 days due to covid. Every statement after that doesn't have payments applied, which were made over the phone, since their auto pay stopped working, and I was trying to fix it. After multiple calls and attempts trying to address the issue, they told me that they stopped having the availability to set up the autopay, and instead, I had to set up manually a Bill Pay on their site with a fixed amount that I set myself, which has worked so far. They didn't fix the autopay issue until XX/XX/XXXX, almost a year later, when they sent in the monthly statements notice of the NEW process.