davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-17
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

On XX/XX/XXXX, I learned of a fraudulent and delinquent auto loan established by Bank of America. I have emailed and called Bank of America daily , Bank of America verbally acknowledge that they established the account in error. I was a former customer, my auto loan was satisfied in XXXX, but someone with the same name applied for a loan, and Bank of America put the other parties info under my social security number, my date of birth, my phone number and my email address ... .and then had the audacity to change the address on my old profile, to that of the other party. Bank of America changed an address, but failed to verify critical personal information of the applicant. Bank of America shows no interest in corresponding with me to allay my privacy complaint. Bank of America is perfectly comfortable with full knowledge they are disparaging the credit of the wrong person. This is not even a case of third-party fraud, it is Bank of America acting with regardless disregard for the customer information in an aged database, a Bank of America fraudulent act on an innocent former customer.
Consumer complaint received 2020-03-18
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: Phoenix Financial Services LLC (SC)

I sent a third party debt validation letter to Phoenix Financial Service, requesting any contractual agreement between me and their agency. To this date no proof of validation has been submitted to me as demanded. I have never done any business with this agency nor do I wish to do so. The alleged debt is in the amount of {$1200.00}, which is a fraudulent charge. By law pursuant to 15 U.S.C. section 1681s-2 of the Fair Credit Reporting Act ( FCRA ), Phoenix Financial Service has failed to validate this alleged debt within the 30 day allotted time frame pursuant to 15 U.S.C section 1692g. They have NO signed contract with my signature stating that I gave them ANY permission to access my credit reports, which is a violation pursuant to 15 U.S.C. section 1681b.
Consumer complaint received 2021-06-17
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARD TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY INFORMATION IN REGARD TO THE INVESTIGATION RESULTS. IT HAS BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021
Consumer complaint received 2020-03-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp (CO)

Lending Clubs customer service representatives have misapplied three different payments that I made over the phone to my balance and not the payment due. Each time I have called to make a payment I clearly told the customer service representatives that I was calling to make a monthly payment. They would take the payment and then the following month I found out I was being reported as 30 days deliquent to the credit bureaus. 

The payment system Lending Club has in place is atrocious. I have tried to resolve this with them countless times. The last call I had with a supervisor regarding this back in XXXX I was assured that the late reports would be removed from my account and that in fact I was now a payment ahead and not ever behind. 

The supervisor informed me that they had reviewed the calls and they verified that every time I called to make the payment prior to 30 days late and clearly stated I was making a monthly payment but each time it was not applied that way and I was reported as 30 days late. I am so frustrated with the practices that they have had in place for payments. The supervisor I spoke to in XXXX not only assured me that the late reports would be removed but they also indicated that this was a huge training issue across the board and that Lending Club was in the process of changing the entire way they take payments. 

This is my third loan with Lending Club : I have NEVER had a late payment until my identity was stolen and I had to close the account I made my automatic payments from. In XXXX of 2019, my identity was stolen and my checking and savings account were comprised causing things to overdraft and me eventually have to close the account all together. I contacted Lending Club right away and set up a new account to draft my payment from and was told it was all set. It wasnt until almost XXXX that I realized that the payments werent being taken out and was then told that they couldnt withdraw from a savings ( only after I called ). This was never told to me when I provided the account information. Once I discovered the payments werent being made I made a double payment in XXXX to catch up on the payments as quickly as I could and that is when they began to report me as 30 days late. I began making all of my payments by phone after that and this is when I realized that this was an on-going issue with Lending Club and it was done again in XXXX and XXXX. 

I have written Lending Club letters on in XXXX, XXXX and XXXX. I have spoke for hours on the phone with representatives and supervisors and despite telling me it would be corrected it hasnt and it has been detrimental to my credit.
Consumer complaint received 2021-06-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (PA)

I began receiving calls from XXXX XXXX in XXXX of this year, however, they never left a message and I thought it was spam and never answered. At the end of XXXX or early XXXX our credit limit was decreased suddenly for no apparent reason. After applying for a credit card and getting declined I found out that somehow I was in debt collection with XXXX XXXX XXXX for {$2200.00}. It seems that somehow my name became associated with a debt that PayPal sold it to XXXX XXXX XXXX even though I haven't used PayPal since XXXX. According to one representative at XXXX XXXX XXXX, the statements that PayPal was supposedly sending me were being sent to a house in XXXX, PA close to where my parents used to own a home but it wasn't an address that I ever resided at. 

The unpaid PayPal charges were supposedly incurred through XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX OR XX/XX/XXXX, and XX/XX/XXXX. Again, I have not purchased or sold anything on XXXX since XXXX and have not used PayPal since that time. 

Additionally, I never received an debt validation letter from XXXX XXXX XXXX, otherwise I would have been quicker to point out that this debt is not mine.
Consumer complaint received 2020-03-18
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: EQUIFAX, INC. (SC)

I disputed multiple accounts that started last XX/XX/2020. The Credit Bureaus failed to verify these accounts after multiple dispute letters and warnings to submit complaints, I have no other option but to file a complaint with CFPB.
Consumer complaint received 2020-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (VA)

My Equifax credit report is showing to creditors that I have a bankruptcy on my report. This bankruptcy was valid but had reached the 10 year limit in XXXX of 2019. The credit report no longer shows the bankruptcy under the Public Records section for me to dispute, but is still showing up in the main screen, still affecting my ability to get credit, and still affecting my credit score when it should have been cleared and removed 9 months ago. There was no way to dispute this on the website, I called 3 times to question it, 2 of them I asked for a call back and when they did I just got a recording showing they could not connect the call. The third time I waited on the phone for over 3 hours ( I checked the call timer ) with nobody answering.
Consumer complaint received 2020-03-18
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$350.00} XXXX XXXX {$2700.00}
Consumer complaint received 2024-04-23
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (UT)

I used my card for a purchase of XXXX XXXX XXXX XXXX. I had already met my minimum payment for the month and I was only using the card for convenience purposes as I had the cash in my bank account to pay for the XXXX XXXX  purchase. I made a payment the same day XXXX XXXX XXXX XXXX Citicard processed the payment before the charge even though I made the charge before the payment. This made it so they could charge interest on the XXXX XXXX I didnt realize it until today. I contacted them and asked if they would reverse the interest on the XXXXXXXX XXXX as I had paid it the same day. They were not empathetic and refused to reverse the interest. Not only that but they then ridiculously offered to reverse it but only if I paid the current statement balance which is over XXXX XXXX  which is including the XXXX XXXX! They are using unethical business practices and stealing money from customers. They are awful at providing customer service.
Consumer complaint received 2020-03-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (MD)

Hi, My Chase Marriott Bonvoy credit card ending in XXXX was closed on XX/XX/XXXX. There was a credit of {$85.00} on my account. Chase did not send me refund check until I called them today ( XX/XX/ ) to check the status. They said I have to explicitly request for credit when I close the account. It is clearly deceptive practice to keep the consumer money after closing the account. Also they are not offering to wire the money to my bank account that they have on the file.XXXX  XXXX and other credit card companies wired me the money.
Consumer complaint received 2021-06-17
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. (GA)

On XX/XX/2021 I mailed letters to the XXXX, Equifax and XXXX about innacurate information reporting on my credit reports and I have recieved no response, they are supposed to respond back within 30 days and they have all failed to do so. This is causing me so much stress and keeping me up at night. Please help
Consumer complaint received 2021-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: HSBC NORTH AMERICA HOLDINGS INC. (CO)

I purchased a travel reward tickets using my HSBC card ending in XXXX on XX/XX/2021 using the HSBC reward site. The 2 tickets were purchased using points. HSBC have failed in deducting the points and crediting the amount. HSBC is failing to fulfill their part of the card agreement and in addition to this are charging me annual fee on the card for benefits they are not fulfilling. In addition, because the points have not been diducted and the amount credited, i will be charged interest. I think they should pay me interest for being late and not me paying interest because of their mistake. The points used for the purchase are XXXX points = to {$1100.00}. I spoke to the HSBC reward department over 10 times in the past month. I spoke with the HSBC customer service also over 10 times regarding this. I escalated the issue multiple times with the bank and the reward department with no resolution yet. on XX/XX/2021 the bank rep got a promise that a supervisor will be calling me the customer on XX/XX/2021 and i received no call or email. Today XX/XX/2021 i called again and neither the bank or their reward department has an answer for me.
Consumer complaint received 2020-03-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo ( EIN XXXX ) erroneously charged a {$14.00} fee on my monthly checking statement. I have the paperwork and documents opening the account, which I have had for years, which clearly states this is a NO FEE account. 

I have repeatedly asked Wells Fargo to reverse this fee. My request has fallen on deaf ears. 

Please help. 

The fleecing of Americans must stop now.
Consumer complaint received 2019-12-28
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. (MD)

EQUIFAX IS RETALIATING AGAINST ME EVERY TIME I REPORT AN ISSUE TO THE CFPB THEY DO SOMETHING ELSE FRAUDULENT. THIS TIME THEY FAILED TO CORRECT MY SCORE AND ACKNOWLEDGE THE DELETIONS OF MY MORTGAGE COMPANY. THE MORTGAGE COMPANY STATED THEY INFORMED EQUIFAX IN XXXX. I ALSO OBTAINED AN INCREASE IN MY CREDIT. WHILE THE OTHER BUREAUS RAISED MY SCORE THEY DECREASED MY SCORE BY 40 POINTS.  THERE IS SOMETHING VERY FRAUDULENT GOING ON. THEY SEEM TO BE ATTACKING ME PERSONALLY. I WOULD LIKE AN INVESTIGATION.
Consumer complaint received 2022-12-30
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: OneMain Finance Corporation (GA)

15 USC 6802 company never disclosed my right to opt out clearly and i never gave permission to report to credit bureaus. which is a consumer law violation 15 USC 1602 means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 15 USC 1602 i received absolutely no benefit from them running my credit card which is a consumer law violation. 

15 USC 1611 gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder.
Consumer complaint received 2020-03-17
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA (PA)

My repayment amount had increased by {$300.00} appr. 2 months ago. When I called to find out why I was told that I requested consolidation for all of my loans, even ones that were not in repayment. I never submitted such an application. I was also informed that I was no longer enrolled in the public servant loan forgiveness program despite making substantial loan payments in this program. The company has done nothing to address this complaint.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report :
Consumer complaint received 2021-06-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TD BANK US HOLDING COMPANY (MO)

This debt was included in my BK and discharged and is still showing on my credit report as if the amounts are still owed. This is not right nor accurate and I would like it removed immediately.
Consumer complaint received 2021-06-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (CA)

Why is this a hardship and why did you cause this? Let me explain.

We knew our variable rate loan was going to change to a higher rate and knowing rates to be at historic lows, we decided to refinance this loan into a fixed rate product to lock in a great rate. Thinking that the best route to go to do this would be with the company that is currently carrying our loan, which is PHH. We applied to their refinance department and submitted all of the tax & income documents ( I'm self employed ) and after a few weeks your company oked the new loan and locked in a rate at 2.5 %. But after months of waiting and submitting more documents, we were told ( out of the blue ) that we did not qualify for the refinance loan. This was after months of us assuming that we had a loan. We have applied for a hardship resolution with them but have heard nothing back.

Their decision has now put us in a very bad financial situation. We can not now find another company to refinance our loan because they wrecked our credit because of the refi being rejected. Now we are stuck with a variable rate loan that will increase as we get older. This is not good.

Side note, we are current on our mortgage payments, have not missed a payment and have excellent credit rating ... .but I'm self employed and write-off a lot of my income.
Consumer complaint received 2022-12-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENOVA INTERNATIONAL, INC. (WA)

Account is closed and is showing as open on my credit report. They are also continuing to mark payments as missing or late when the account is no longer even with this company and it is closed. They also have been harassing me over the phone calling from different numbers multiple times a day, even though I am on the do not call list.
Consumer complaint received 2020-03-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (NY)

My relative from XXXX received a job over XXXX. He was supposed to receive {$850.00} in check and there were 2 other persons who were supposed to get {$1000.00} and {$1100.00} for the job. I received a {$2900.00} check and I was instructed to send {$1100.00} to XXXX through XXXX and {$1000.00} to XXXX through XXXX. The rest {$850.00} I was supposed to send to my relative in XXXX. I deposited the check in my account and the money was available in my bank in next business day. I sent out all their money and ended the business with them. The whole thing was jest a courtesy towards my relative. The next moring i logged in and discovered I owe the bank more than {$1100.00} and the check was bounced. I went to the bank and they discovered it was a fraud check and I've to pay them. My relative contacted me and he said he doesn't know anything about the whole scam thing. I'm a XXXX  XXXX  and XXXX and this huge debt over me was unexpected. It's about {$2000.00} gone from my account and left me with around {$1000.00} debt to my bank. I'm in a big debt because of the scammers. The name of the bank in the check was XXXX XXXX XXXX  and in the very top the address was 'XXXX  XXXX XXXX ~ XXXX XXXX XXXX XXXX XXXX~ XXXX, fl XXXX ' I do have the screenshots of the sent money on 2 different XXXX  accounts in my phone. I really believe getting the bank accounts connected to the XXXX  accounts of XXXX and XXXX is good enough to get me out of the scam and get me my money bank. I'll really appriciate if the CFPB takes all the proper necessary steps to help me get out of the situation. Thanks.
Consumer complaint received 2020-03-17
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: Merchants' Credit Guide Company (IL)

I mailed a dispute letter to company and requested validation for accounts and didnt get completed documents in timely matter yet credit agency has updated as accurate also. I requested proof of my signature didnt receive such these accounts isnt valid. 
The account XXXX Has my name listed XXXX XXXX and it shows it bill Also other account XXXX List my name incorrect also these accounts must be removed for several reasons I will enclose to you only my Id or correct spelling on I.d