davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have had 2 frustrations on my credit report that seems to be the fault of the companies directly and not on my part, I have outlined below. I have tried contacting the 3 bureaus and the companies in question directly to no avail. 

XXXX XXXX XXXX XXXX OF XXXX : Missed payment XX/XX/XXXX. As instructed by the company the first payment was successfully made ( on record XX/XX/XXXX ), and hereby after auto-payment was setup ( Have email confirmation ) and supposed to commence XX/XX/XXXX. A failure in XXXX XXXX XXXX auto payment system followed by a failure by them to notify me resulted in a missed payment which was reported on my credit. As soon as I became aware of their system failure ( I was i XXXX for 2 months for business ), I made the payment manually and had to again setup the automated payment. Their customer service reps admitted to me on the phone they had issues with their automated system. I asked them to report to the credit bureaus that the error was their fault, something they failed to do. 3 years later all payments are made on time and I have made a final payment to pay off the car in full so this account will be closed in XX/XX/XXXX. I expect this error on their part to be removed from my credit report immediately as it was initially their fault not mine. 

Bank of America : XX/XX/XXXX BOA report a credit card balance ( not past due ) causing a 5-point decrease. This is later corrected, and a 5-point increase applied in XX/XX/XXXX. That aside BOA sent bad information ; a close analysis of my BOA profile shows accounts with $ XXXX plus in them, access to $ XXXX in credit card financing and XXXX balances going back multiple years. I spoke with BOA and they told me the error with the bureaus. Neither the bank or bureaus will sort this out and it has happened 3 times in XXXX. 

XX/XX/XXXX BOA make a comment on my account. I can not access the comment in my credit profile and requested what the comment is, but they failed to respond. The comment they made dropped my credit score 6 points. I want an explanation how with XXXX balances ( actually I have positive balances on my 2 credit cards ) and all payments made a company can make a comment that I can not access or see, and it affects my ability to borrow future financing. It simply has to be illegal!
Consumer complaint received 2024-01-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (GA)

I received letter from Mohela that they bought my student loans. I went online and applied for forbearance, because I'm unemployed and I received a letter from Mohela stating my payments will be {$0.00} for 12 months, effective XX/XX/XXXX. On XX/XX/XXXX, I received a letter stating effective XX/XX/XXXX, an amount of due of {$130.00}. I would like for Mohela to be investigated for manipulation my records to reflect incorrect timeframe of debit being collected. Based on the special loan program called SAVE plan, which I applied and received confirmation there's no payments due. Also, Mohela has sent a letter stating this same account is in default which its not. This student loan company has brought great hardship and mental stress and the inaccurate information have a adverse damage to my credit via the reporting credit agencies.
Consumer complaint received 2023-01-24
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. (NJ)

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-06-05
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: AMERICAN EXPRESS COMPANY (CA)

Hello, I have received an email from 'American Express ' today afternoon at XXXX XXXX that I've been approved for a new Card, but I never requested for this credit card. 

Action taken : 1. Since I have NOT applied for any credit card so I called American Express to report this as a Fraud and got this card canceled. I have also asked them to raise an investigation to look into this further. 

2. I have also called XXXX to report this fraud activity and raised a dispute. I did a credit Freeze too. 

3. Credit Freeze is also done with XXXX and XXXX XXXX 

4. I tried to notify the Federal Trade Commission ( FTC ) of the fraud which lead to this CFPB - The Consumer Financial Protection Bureau submission request
Consumer complaint received 2023-01-24
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: Experian Information Solutions Inc. (MO)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 


XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX XXXXXXXX Balance : {$400.00} XXXX XXXX XXXX XXXXXXXX Balance : {$260.00} ; XXXX XXXXXXXX Balance : {$25000.00} XXXX XXXX XXXXXXXX Balance : {$65.00} ; XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-01-24
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)

After reviewing my consumer report i noticed that there were inaccurate accounts and information on my consumer report, the consumer reporting agencies never gave me my right to opt out and further more they never asked for my permission to furnish this information. further they have assumed this vital role and have infringed upon my right to privacy selling my information to a 3rd party debt collector, in pursuant to 15 USC 1681 ( 4 ) my privacy has been invaded and damages have been done, the damages that arose were to my mental health, my financial situation and its also stopped me from traveling to and from work.Also Ive been a victim of brutal harassment violating 15USC-1692d as well reporting to my consumer report without my written consent or approval violating 15USC-1681b also falsely and inaccurately reporting to my consumer report violatingThe Fair Credit Reporting Act ( FCRA ), 15USC-1681 in essence tarnishing my consumer report and my reputation, deeming me untrustworthy to other lenders.
Consumer complaint received 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

After reviewing my consumer report i noticed that there were inaccurate accounts and information on my consumer report, the consumer reporting agencies never gave me my right to opt out and further more they never asked for my permission to furnish this information. further they have assumed this vital role and have infringed upon my right to privacy selling my information to a 3rd party debt collector, in pursuant to 15 USC 1681 ( 4 ) my privacy has been invaded and damages have been done, the damages that arose were to my mental health, my financial situation and its also stopped me from traveling to and from work.Also Ive been a victim of brutal harassment violating 15USC-1692d as well reporting to my consumer report without my written consent or approval violating 15USC-1681b also falsely and inaccurately reporting to my consumer report violatingThe Fair Credit Reporting Act ( FCRA ), 15USC-1681 in essence tarnishing my consumer report and my reputation, deeming me untrustworthy to other lenders.
Consumer complaint received 2023-01-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (GA)

Requested Student Loan Payments that were made during the Covid payment pause period in XX/XX/XXXX. It is now late XXXX and have not received the refund via direct deposit or check. The balance was restored on XX/XX/XXXX but the payments have yet to be returned. Have contacted customer service multiple times about this and have gotten nowhere.
Consumer complaint received 2023-01-24
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: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I am a victim of identity theft. I have submitted the correct paperwork according to the FCRA and my disputes are not being submitted correctly. The paperwork and my FTC report is not being attached. I am not getting copies of the verification process These are the accounts : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. the items I am challenging are erroneous and needed to be removed from my Credit report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXXXXXX Balance : {$9500.00} XXXXXXXX XXXX XXXXXXXX Balance : {$3100.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-02-04
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. (TX)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX, XXXX XXXX XXXX Balance : {$7100.00}, XXXX XXXX XXXX  Balance : {$740.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$330.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$160.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$160.00}, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-01
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: AMERIS BANCORP (GA)

I had a miserable experience applying for and being approved for a mortgage loan with Ameris Bank. Ameris discriminated against me based on my race, and the banks actions ended up costing me {$7700.00} in total. I worked with a rep named XXXX XXXX who treated me differently after I scanned in a picture of my ID and she saw that I was a minority. I was called kiddo, and threatened to be XXXX by XXXX after she was aware of the color of my skin and my race. XXXX flat out lied to me and told me my debt to income was too high to do XXXX XXXX ( XXXX  ) FHA loan. She told I would do the tradition FHA with Ameris. I explained that I know she was being untruthful because I calculated my own DTI ratio and was under the requirements for XXXX XXXX. I was told that I had high levels and that my deal was a long shot and its not her fault. I asked her to send me what she was telling me in writing so I could have that information for my records. She reiterated that I would not and did not qualify for XXXX XXXXXXXX but she would send it anyway. I later asked her to be removed from my loan. During closing, I was pushed back on 4 separate occasions. Ameris led me to believe the delays were due to my finances, or another party involved, when at closing, it was determined that the delays were caused my Ameris bank. I was told I was cleared to close and my closing date was confirmed in writing by Ameris on XX/XX/XXXX for XX/XX/XXXX at XXXX which caused me to take off from work. I was told the next day that I could sign paperwork but the closing would actually be on XX/XX/XXXX due to the bank having their information wrong. I am leaving an apartment that was due to be sublet at move out saving me 3 months of rent at {$2300.00} per month. Because Ameris delayed me so many times after purposely misleading me about the loan that I qualified and was eligible for, my tenants ended up signing a lease and securing living arrangements elsewhere. I ended up having to take off another day from work putting my job at risk to accommodate Ameris after giving me misinformation about the status of my loan. I feel as though my closing and mortgage application process wasnt handled fairly due to me addressing concerns with the bank about a clear violation of my rights and how it has impacted me financially.
Consumer complaint received 2020-03-10
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. (LA)

I found errors on my credit report and wrote letters to XXXX, XXXX, and Experian on XX/XX/2020 asking them to remove the inaccurate information. I didnt received any letters stating why the items were placed on my report. I demand each item removed as it is inaccurate and is passed the 30 days. 

Thanks
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights ,15 u.s.c 1681 section 602 A. States I have the right to privacy., 15 U.S.C1681 Section604 A Section 2 .it also states a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2023-01-24
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION (ME)

First of all, i borrowed around {$73000.00} for college and graduate school. After paying in an XXXX plan for over a decade, I owe almost {$200000.00}! Because I could not afford to make my payments, borrowers counciled me to default, whereupon they capitalized interest, in order to get into an XXXX plan. I was told default was required to enter into affordable payments. 
These terms are usury and were given me under fraudulent terms. 
Now, Aspire Servicing Center has pulled my loans out of the government mandated payment pause, and is billing me over {$1400.00} a month! I am currently unemployed. And WAS on an XXXX repayment plan. 
They notified me the payment pause was ending in XXXX. I sent them an application for XXXX based relief. They sent me a letter saying I was approved for a temporary deferment. That letter is now MISSING from my internal-communications folder from them, and they are billing me! Despite the federal payment pause. Please help!!
Consumer complaint received 2023-02-06
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2020-03-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (IL)

My name is XXXX XXXX and I have been scammed out of XXXX dollars in payments Thru purchases and charges over my cc limits and money on line transfers that were to help XXXX and other soldiers  overseas  with equipment like computers to talk to family back home. I can supply a name-other people the XXXX XXXX who said he was in the medical side of the XXXX overseas. I have XXXX names and email addresses. This XXXX soldier uses the app XXXX and XXXX instant messaging. I can supply pictures, names, emails, and a picture of the tattoo on his back. Supposedly he -XXXX XXXX-lived in XXXX ph XXXX. Email- XXXX. Other names involved are-XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. He talked like a physician  but I suspect he was not really a physician. I sent money to the individuals above as he said they were the administrators and would see that the wounded XXXX XXXX  got their supplies. XXXX XXXX said he was XXXX descent if that helps. Can someone help me-I know I may not recover my money but I want this group stopped. I have devoted my life to helping Veterans with XXXX XXXX.
Consumer complaint received 2020-03-10
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. (FL)

Please remove negative accounts are not belong to me. I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. 
I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ).
Consumer complaint received 2019-11-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Had a capital one bank credit card and had a hardship of losing a job and was unable to pay for 4 months but after a small time I made a {$15.00} payment and then two larger payments totaling {$220.00} and then they unexpectedly closed the account and will not reopen the account.
Consumer complaint received 2022-10-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NY)

Shellpointe informed me By mail that they are my new mortgage company. 

I was told they will modify my mortgage and I will pay a lower interest rate & lower monthly payment Because I was on the forbearance plan. Unfortunately that did not happen I wear more. 

They report my mortgage to the credit bureau that I was late which I was not and Im still not. That information is still on my report. 

Some of my payment is unapplied They add interest to the forbearance balance. I was told by my previous mortgage company there will be no late fee, interest added or mortgage sold. 

Additional fees are added because of the forbearance
Consumer complaint received 2023-05-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TN)

I received a notice of delinquent property taxes. Upon further investigation I found that on XX/XX/2023 the mortgage company paid property taxes on the wrong property. This is gross negligence. On XX/XX/2023 I received a notice of delinquent status on my house insurance. I contacted my insurance agent and he was able to receive payment. He informed me that upon the mortgage company purchasing my loan they were required to contact insurance, which they failed to do so.They also just contacted my stating my escrow account is short and will be raising my payment.
Consumer complaint received 2023-05-17
Product: Credit card or prepaid 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: CITIBANK, N.A. (VA)

CitiBank dba SearsCard violated federal law, violated its MasterCard regulations, did not respond to my many specific proofs of a false charge to my account, did not investigate a single fact of the dispute, and ignored the merchant 's self-incriminating information. Attached is a detailed letter of the facts of the case, all of which CitiBank has totally ignored and none of which CitiBank ever refuted. Also, CitiBank has ignored my request to close my account and record it as being my request.