davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I have been trying since XXXX XXXX to get Bank of America to sort out the complete mess they have made with my Home Equity Line of Credit ( HELOC ). 
Account # XXXX was opened on XX/XX/XXXX and I have been making all the regular payments by transferring money on my BofA dashboard from my personal account to the HELOC account. 
It appears that at the end of XX/XX/XXXX, the bank changed the account number to XXXX without any notice to me. My HELOC account was still on my dashboard and I continued making every monthly payment through to and including XX/XX/XXXX. 
In XX/XX/XXXX i tried making my usual payment, but the option had been removed from my dashboard. 
After many phone calls it turned out that the account had been handed over for collection for non payment, despite all my payments made in full and on time. These payments had not been applied to my account and were somewhere floating in some sort of suspense. 
After multiple, multiple, multiple calls and emails over several months they eventually apologized for their error, correctly allocated these " Unapplied Funds '' to the account and stated that they would have ALL negative comments posted on the credit reports removed, that the account was current and in good standing. 
Not all the negative comments were removed " Account information disputed by consumer '' still remained on all the agencies. I spent most of yesterday getting these comments removed - something that the bank should have done. 
Checking my reports, I saw that the comments had been removed, BUT XXXX  was showing that I had XXXX HELOC accounts with BofA - XXXX showing negative aspects ( Past Due ) and the other " Current '' no past dues. THERE IS ONLY XXXX account. 
The bank has been unbelievably slow to get things done - stating that it was complicated - and thoroughly inept at getting this mess, that they created, totally fixed. 
Due to their extreme incompetence I have been denied a re-finance on my mortgage SOLELY because it appears that I have XXXX HELOC accounts with BofA. This has cost me thousands in wasted time XXXX multiple phone calls, multiple emails ) trying to get them to fix their mess, the cost of not been able to re-finance and reduce my mortgage payments by {$230.00} per month, which for 360 months amounts to {$83000.00}, to say nothing of all the emotional stress that this has caused
Consumer complaint received 2021-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (CA)

I called american express in XX/XX/2021 to cancel my XXXX XXXX card before the {$95.00} renewal fee was due. The person at amex confirmed it was cancelled and there were no outstanding charges. Yet, in XXXX of 2021, i get a statement for {$95.00}. I call in American express again to say i cancelled my card already, so you need to confirm that and credit my account the {$95.00} as i do not owe it. I get a confirming email that its cancelled and wait for the credit to my account. But the credit is never made and says it is due in XXXX. I call amex again, they refuse to credit my account and say they will contact me with a decision after listening to the XXXX call. I get a call 3 days later and the representative is very hard to reach and leaves a voicemail saying they refuse to give me and answer as to my credit until they speak to me. So i still owe {$95.00} for a card i had cancelled. This is FRAUD, the {$95.00} charge is fraudulent and i need a credit to my account.
Consumer complaint received 2021-08-11
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: Experian Information Solutions Inc. (FL)

I Contacted Experian credit bureau to get unathorized inquires off my credit report the customer service department did not help remove negative inquires that are reporting on my credit report.. 
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 2021-08-11
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)

On XX/XX/2021, I wrote Transunion a dispute letter asking them to verify a bankruptcy that is listed on my credit report. Transunion then responded back to my dispute letter on XX/XX/2021 and stated that they verified the bankruptcy on my credit report as accurate from a third party we hire but the third party is not the furnisher of the bankruptcy. I went to the United States Bankruptcy Court in XXXX, NJ and verified with XXXX XXXX, Case Manager Supervisor via a written letter that they do not share or furnish information to the credit bureaus. The original furnisher is United States Bankruptcy Court in XXXX, NJ and NOT any other third party that Transunion hires and claim that they are the furnisher. This is false information. 


I wrote TransUnion another dispute letter on XX/XX/XXXX and asked them to remove the bankruptcy due to inaccuracies which are damaging my credit report as they have falsely and illegally verified the bankruptcy in which Transunion responded back to me on XX/XX/2021 indicating that they are investigation the dispute again and will send me the conclusion of their investigation. Transunion then sent me another letter on XX/XX/2021 indicating that they have updated the information on my credit report after already illegally re-verifying it AND illegally claiming the bankruptcy as verified on XX/XX/2021 and the status that they put on the XX/XX/2021 response letter after claiming to have updated the file AFTER claiming they already reverified the bankruptcy as not specified. Transunion is claiming that they verified the bankruptcy remark, however I froze all third party bureaus on XX/XX/2021 XXXX it would be impossible to verify the bankruptcy remark when all of my third party bureaus are frozen. )
Consumer complaint received 2023-02-08
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. (MD)

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. 

Account : XXXXXXXX XXXX account XXXX XXXXXXXX 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 2021-08-11
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. (TX)

I reached out to the credit agencies on XX/XX/2021, and requested that they remove the account on my consumer report because they are violating a United States Code. Upon speaking to multiple representatives, I was told that they are unable to remove the account. The reasons I was given is their need to contact the " original creditor '' in order to validate the deb. I informed the agencies they are in violation of a United States Code and was told that I needed to contact the individual companies to request removal. 


The agency is in violation of the following United States Code : Title 15 USC 1681b - Permissible purpose of consumer reports
Consumer complaint received 2021-08-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation (ND)

I made a payment of {$5400.00} on XX/XX/XXXX. On XX/XX/XXXX, an automatic payment for {$120.00} paid the remainder of the balance. OneMain claims the payment of {$5400.00} was returned by my bank, XXXX. The payment was not returned and it was debited from my account. I provided OneMain with my XXXX bank statement showing the payment was not returned. My online account with OneMain does not show this payment was returned in the payment history. I have made several requests to OneMain to provide documentation to support their claim. They have not provided documentation. I have only received a letter from OneMain declaring they confirmed the payment was returned after completing a thorough review. In the same letter, OneMaine stated the payments totaling {$13000.00}. {$5200.00} toward interest and {$8600.00} toward principal. The original loan amount is {$8200.00} which means, per OneMain, I have paid back the principal balance. This issue is still unresolved Additionally, the statements for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX indicate there is Monthly Obligatory Amount Due as {$0.00} with a Past Due Amount of {$5300.00}. OneMain claims when the system the payment was made, it satisfied the monthly payments to XX/XX/XXXX but when the payment returned and the system reapplied the balance it will not undo the payments. This process is harmful to customers because it is deceptive.
Consumer complaint received 2024-02-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CO)

On XX/XX/2024, I submitted a 'Segal Americorps Payment Award Payment Request ' to pay Mohela XXXX my student loan servicer, {$120.00} for my monthly student loan payment due XX/XX/2024. After calling Mohela at least a dozen times, nobody I speak to knows what to do with this information. The request ID from this XXXX request is XXXX. 

As a result of Mohela 's inaction, my payment due on XX/XX/2024 is now considered delinquent. This is significant because I am a part of the XXXX XXXX XXXX XXXX ( PSLF ) plan, and now the month of XXXX is ineligible to be put towards PSLF. 

For the record, my payments via XXXX were no issue when my loans were serviced by XXXX. This is proof this issue is specific to Mohela, and their administration of Education Award payment requests via XXXX
Consumer complaint received 2021-08-26
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (GA)

I have a XXXX XXXX.the first payment to new employee is always by western union as it takes up to 6 weeks to get them into the accounting and payroll cycle in ukraine.today I tried sending the customary {$500.00} to the new employee. When I went to XXXX here in XXXX to place with western union. They received an error message. Called western union who said and I quote there was a regulatory compliance issue.we asked what that issue was ... .they said they weren't required to give an answer. Now these people in XXXX dont have bank accounts. When they are paid its put on a Visa card. Western union on their app refuses to allow for these.transactions. to be taken on a debit card.i have to go cash a check and go to a western union agent ... .whenever I have called I get the same XXXX from western union that its regulatory compliance issue.when asked what's the issue their standard response is we dont have to answer that.
Consumer complaint received 2021-08-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

Experian : you have recieved multiple complaints from the cfpb. In each complaint you are being sent documents that verify it's me, as well as an identity theft report. You have rejected every complaint on the grounds that you believe I am a third party credit repair company. I am not. I have the right to send you documentation via the cfpb reguarding any dispute. You do not have the right to deny that information. 

Can you explain to me why you have rejected the idtheft report sent via the cfpb 6 times?
Consumer complaint received 2021-08-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc. (PA)

As a Federally Protected Consumer, Original Creditor, Principal and Authorized Representative for XXXX XXXX XXXX XXXX, XXXX on all accounts created by my seal/signature, I order you to make recompense and pay redress and compensation for your trespass against me. You are attempting to extort and rob me using deceptive, misleading and abusive practices against me personally, my family and my household. This is criminal activity at the least and unacceptable by every means. 

You have committed several federal violations against me, a Private law abiding Federally Protected Consumer. Each violation is a statutory cost of {$1000.00} each, which does not include my personal cost and fees ( which I determine ) for taking time to address these issues. Violations committed against me include but not limited to : 1. Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission 2. Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission 3. Violated 15 USC 1692d ; Harass and oppressive use of intercourse about an alleged debt. 
4. Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to you.

5. Violated 15 USC 1692d ( 2 ) ; Use of obscene or profane language on my report ( saying I owe you a debt ) 6. Violated 15 USC 1692e ; Using false, deceptive or misleading representations 7. Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt 8. Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation 9. Violated 15 USC 1692e ( 8 ) ; Communicating false information 10. Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication without authorization or approval 11. Violated 15 USC 1692e ( 10 ) ; False Representation ( not a party to alleged debt by my consent ) 12. Violated 15 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) 13. Violated 15 USC 1692f ; Unfair Practices attempting to collect an alleged debt. 
14. Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties.

15. Violated 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) 16. Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( You are not a party in the alleged debt ) 17. IDENTITY THIEF ; Obtaining personal identification information without prior consent and creating an account in my name without my knowledge.

18. Invasion of Individual and Family Privacy 19. Violated 15 USC 1692c ( c ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.
Consumer complaint received 2021-08-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

Hello, I am writing to complain about the closure of my accounts with Chase Bank. I was first charged a {$34.00} overdraft fee repeatedly for the same unpaid charge. These duplicate fees were reversed on my request, which brought my account to a positive balance. In an effort to make every XXXX count, I had also deposited a check for {$13.00} on XX/XX/XXXX. This brought my account to a total of {$110.00} available. 

On XX/XX/XXXX, my debit charges began to fail. When I contacted Chase, I was told that the check I deposited had expired, and that once it was returned my account would be unlocked. I was advised this process would take 2-3 business days. Each time I called to follow up I was given different information as to why my account was locked and when I would have access to my balance. 

On XX/XX/XXXX, I was advised that the bank believes the check to be fraudulent and would not be reinstating my account unless I could provide information to verify the check. I publicly complained via XXXX and received a direct message from customer care advising that they filed a formal complaint on my behalf. 

When I called on XX/XX/XXXX ( in an attempt to provide a phone number to the legal firm handling the payment, though I still believe this burden should not have been mine ), I found that my account had been debited the total amount of my balance and closed. The total withdrawn from my account on XX/XX/21 was {$110.00}. 

I recognize that this is a relatively small amount of money, but due to my account being locked I was unable to refill needed prescriptions related to my XXXX, and I was unable to pay my phone and internet bill in order to keep working. I believe that locking my account with cause or reason is unethical, and potentially illegal behavior.
Consumer complaint received 2021-07-06
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.
Consumer complaint received 2021-07-30
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: Fidelity National Information Services, Inc. (FNIS) (NV)

CHEXSYSTEMS has been acting abusive towards my right to privacy and my identity. They have taken my private information and created a record of account with the information attached to a social security number that is not owned by me, it is owned by the Social Security Administration and its also the United States obligation as defined by 18 USC 8. I am the consumer and administer of the account. I do not own it.

I told them the debt and all the negative inquiries are to be removed immediately as they are violating my consumer rights and Civil Rights by unlawfully and untruthfully giving misleading information without my consent or signature for fee.

I called them up on the phone and i asked to see what proof they have that i consented to my information being shared too any third party pursuant to 15 USC 1681B ( a ) ( 2 ). The sales support laughed and said he was not sure.

I would like the CFPB to HELP me get CHEXSYSTEMS to send me a signed affidavit that i the consumer gave my consent to furnish any report and violate my civil rights, 42 USC 1983, as this is a complete misrepresentation of facts.

I do not validate any of the negative information on my report nor do i consent to CHEXSYSTEMS furnishing such information to third parties.
Consumer complaint received 2021-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have attached two accounts that are currently reporting inaccurate information to all three of my credit bureaus, I have highlighted the inaccuracies. Per the FCRA anything reported in my name has to report 100 % accurate information. Please delete these two accounts from all three of my credit bureaus.
Consumer complaint received 2021-08-12
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. (FL)

I have attached two accounts that are currently reporting inaccurate information to all three of my credit bureaus, I have highlighted the inaccuracies. Per the FCRA anything reported in my name has to report 100 % accurate information. Please delete these two accounts from all three of my credit bureaus.
Consumer complaint received 2023-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XX/XX/XXXX - I paid for a lease with XXXX, upfront and in full. The agreement was for me to owe {$0.00} for the life of the lease. The attached contract and receipts show this was paid, including an additional cash amount corresponding to the turn-in fee. 

XX/XX/XXXX - XXXX  months went by and the lease was nearing the end, so I turned in the vehicle. At this time, the representative confirmed the vehicle was in good condition and the lease terms were completed. So I purchased another vehicle through the dealership. 

XX/XX/XXXX - XXXX  months after finalizing the lease, I was charged a fee since I didnt purchase a XXXX when turning in the vehicle. Of course this was a mistake since I wasn't informed of the fee when turning in the vehicle and also because I have documents proving this was already paid over XXXX  months ago. So I started the process to get this corrected. 

XX/XX/XXXX - XXXX was initially unresponsive, as this occurred during the pandemic. But even though it was difficult to connect with a representative to correct their error, I immediately started getting late payments applied to my credit reports. 

XX/XX/XXXX to XX/XX/XXXX - I continued trying to work with XXXX to encourage them to abide by the contract. They refused. Then I started working with the credit reporting agencies to have false blemishes removed from my account. They simply asked XXXX if they were accurate, to which XXXX confirmed they were, and so no changes were made. All of the credit reporting agencies completely ignored the consumer, the contract, receipts and other documentation, and instead simply took the word of the creditor. As a consumer, all of my rights were taken away. 

XX/XX/XXXX - I ultimately gave up and just decided to pay the erroneous bill in order to have this removed from my credit report. So I paid the fee for a XXXX  time! Unfortunately this was never removed from my credit report. My score plummeted XXXX points based on this single, false record. And my hands are tied - there's nothing I can do to prevent XXXX from keeping these false records on my report and destroying my business. 

PLEASE HELP. AS A CONSUMER, I DID EVERYTHING RIGHT - MADE XXXX  YEARS OF PAYMENTS UP FRONT, PAID A BOGUS FEE XXXX, TURNED IN THE VEHICLE ON TIME AND IN GREAT CONDITION. I'M A PERFECT CUSTOMER, YET SOMEHOW THEY ARE STILL ALLOWED TO DESTROY MY LIFE!