davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I have a credit card with Bank of America # XXXX. 0n XX/XX/20 I get a cash advance for {$500.00} ; I was charged {$25.00} fee -- that was understood. On the same dayXX/XX/2020 I made a payment of {$500.00} assuming the payment will pay-off the {$500.00} cash advance, but the account activity with BOA did not enter the transactions in the order they occurred. The {$500.00} I paid was credited to the account on XX/XX/20 reducing my delayed balance of {$2000.00} that was interest free until XX/XX/20 to {$1500.00}. The {$500.00} cash advanced was entered into account activity 2 days later 0n XX/XX/20 thus the payment I made on XX/XX/20 did not go to pay it 0ff. By not crediting the account on XX/XX/XXXX for the cash advance, the {$500.00} was bearing interest from the day it was taken from the ATM machine with an interest charge {$9.00}. had Bank of America followed common accounting practices and entered the {$500.00} cash advanced, it would have being paid with the {$500.00} I made the same day and I would not be paying interest on the amount. Bank of America manipulate account entries to suit them. 

On XX/XX/20 I charged {$400.00} which I paid on XX/XX/20 under the 25 days grace period, offered by all credit cards and I was charged {$5.00} for that amount and got {$4.00}. This constitute fraud in cash back promises. 

Called Bank of America many times and the phone was hanged-off with the excuses they could not answer call right away.
Consumer complaint received 2020-04-13
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: CORELOGIC INC (OR)

I have been trying to remove this fraud student loan on my account for more than 4 months. Credco during a call called the vendor and they could not verify the loan. I submitted the request for removeal twice to credco and it came back 2 twice as an active loan ; but its not. I believe using your agency would be the next step to remove the misreporting. 

the passcode for the PDF is : XXXX
Consumer complaint received 2020-06-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I had a problem with this card and even got cfpb involved in it we don't owe anything never got any communication from them only found out a few months ago thru our credit report this is our old complain number thru cfpb XXXX
Consumer complaint received 2020-04-13
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (IL)

As the situation with Covid-19 deteriorated, I was let go of my job which restricted my ability to pay my mortgage, luckily the federal government step up to help all of those with FHA loans give options to help during these hard times, guidelines that Freedom Mortgage is not following such guidelines to help struggling customers.
Consumer complaint received 2020-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

They are reporting a collection account in the amount of {$7800.00} with XXXX XXXX XXXX. This is not my account. I have disputed this item several times with the credit bureau.
Consumer complaint received 2020-06-13
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: STATE EMPLOYEES CREDIT UNION (NC)

I previously sent two letters to State Employees Credit Union letting them know that I'm a victim of identity theft and this fraudulent account on my credit report needs to be deleted. In their first response letter on XX/XX/XXXX, they told me that it looks like a credit repair company is disputing this item instead of myself so I filed a complaint against them with the CFPB, then in the response letter, they sent me on XX/XX/XXXX of XX/XX/2020 they told me to update my contact information by going to www.ncsecu.org or visit a local State Employees Credit Union branch. This is totally absurd because I am not a member with State Employees Credit Union but they're asking me to log in to my State Employees Credit Union account in order to update my address because they don't have it on file but once again I'm not a member with them so how can I go online and update my information with them if I'm not a member. Then finally in their response letter dated XX/XX/XXXX they told me that they're not going to investigate further because I have not updated my information as they told me on the letter dated XX/XX/XXXX but once again I am not a member of State Employees Credit Union. I sent State Employees Credit Union copies of my police report my FTC identity theft affidavit along with my driver 's license Social Security card a utility bill and the fraudulent driver 's license that I received from officer XXXX XXXX with my name on it but this company still refuse to delete this fraudulent account basically calling my dispute frivolous.
Consumer complaint received 2020-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (TX)

Hello, My name is XXXX XXXX. On XXXX, XXXX 2020. I received a notification from the credit report saying my account with Chrysler Capital was delinquent. I called them the next following day, they confirmed the account was passed due and they could not contacted me due to the call volume they have been receiving as consequence of ( Covid-19 ). I explained, first of all, I was never notified about the issue and even though the account was under my name the vehicle belongs to my ex-husband and he is the one in charge of making the payments. 
I contacted him immediately and he hasnt been able to make the payment due to financial strangles because of ( Covid-19 ). He made half of the payment due but the delinquency is still showing on my credit report. 
I can stress enough how hard this situation has been for the whole world and it is even worth when the decision of someone is affecting the wrong person. I am a single mom with a XXXX year old daughter and I have been working really hard to support my little family and a good credit is going to help me to provide a home for my baby to live in. It was not my fault Chrysler Capital did not have enough personal to cover the volume of calls and for that reason they decided not to call any of their customers. It is not fair under the situation we are all currently living to make this drastic decisions like this. We do not know if we will survive or if we will be able to keep our jobs. This type of delinquency states in the credit report for years that means it will affect me for years. This company needs to be more sensitive to the situation and give their clients a break to focus on our families and our health. 
Please review this complaint and I implore you to help me to remove the delinquency from my credit report. As I stated before, I am in the process to purchase a house, with this I will be able to provide a better quality of life for my daughter.
Consumer complaint received 2020-06-13
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CA)

XX/XX/2020 Received a call from my county Court House stating he was a investigator XXXX from XXXX XXXX County Court ( ( XXXX ) XXXX. I called the court house and clerk was not able to located any case against me nor a investigator XXXX that might of called from there, she didn't understand. He stated he had a affidavit and needs to present a summons before it is presented to court he left a message for me to contact attorney office in New York ( XXXX ) XXXX to resolve and get information. Called a XXXX answered stating he was from XXXX XXXX and that I owed money to Ace Cash Express. Never received any paperwork stating of my debt from the actual company. He told me if I didn't resolve it they would go to my home and employer and I will be prosecuted. I mailed them a Money order for the amount of {$530.00} they wanted more and the settled due to fees and so forth. I mailed it to them because I recalled having a loan out several years ago and maybe thought I didn't take care of the payment. Then I did my calling to Ace Cash Express asking for a receipt that the debt was taken care of and they told me they don't take cases to court for payday loans and the amount I owe is only {$310.00} and they did not receive any payment from me. Till this day they have not received a payment. My account was sent out to several collection agencies I called all of them phone numbers were provided and this office is not one that they work with.
Consumer complaint received 2020-04-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (CA)

I was a student at XXXX XXXX XXXX. In XX/XX/2016, Massachusetts Attorney General XXXX XXXX sued XXXX XXXX XXXX for allegedly " misleading and harassing students. On XX/XX/2016, XXXX XXXX ceased operations and closed all of its locations, issuing a statement that attributed the closing to the Department of Education 's actions.
Consumer complaint received 2023-07-13
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. (NV)

I've been disputing inaccuracies for a little over a yeah with Experian. 
This is my final attempt to remedy this reoccurring issue with them. 
I've recently submitted a dispute with all my verifying docs, court paperwork, and police reports on all inaccurate information and fraudulent accounts. I sent this information last Friday XX/XX/2023 sent certified mail and they received it Monday XX/XX/2023 per my tracking. 
I need all inaccuracies and fraud accounts removed from my credit file immediately, even from their rent reporting bureau as those accounts have been paid. 

Per The Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ) requires credit reporting agencies to adopt reasonable procedures for gathering, maintaining, and distributing information. It also sets accuracy standards for creditors that provide data to agencies.
Consumer complaint received 2020-06-13
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. (VA)

In XX/XX/XXXX I called XXXX XXXX Loans to inquire about the option to refinance. The loan had recently been sold to them from another mortgage company. The lady on the phone asked what my reasoning for wanting to refinance and I told her to lower the interest and payment. She said that there were options available and directed me not to pay the next few payments in order to be put in the program to lower my rate and payment. I was lead to believe that I was going to be going through a refinance. Starting in XX/XX/XXXX I was instructed to pay a lower payment amount for 3 months and then they would finalize the payments and interest. They had put me into a forbearance and loan modification. When I called and asked what this meant they said this was the only way to get the lower interest like a refinance. I had no idea I was not getting a refinance. I paid the payment for 3 months and they extended it for another 3 months through XXXX. Then they said they were going to finalize everything and not to pay XX/XX/XXXX. In XXXX I found out my house was in the paper as being auctioned off on XX/XX/XXXX. I called and they said I had not made a payment since XX/XX/XXXX and my house was being foreclosed on. I paid almost {$13000.00} to have my loan reinstated and have been fighting this issue with them since XX/XX/XXXX. They finally reported that my loan status was ok for XXXX, XXXX, XXXX, XXXX, XXXX and XXXX of XXXX but they will not budge on the other months. I was told by them and followed instruction by XXXX XXXX Loans to not pay for those months. I had never missed a payment with the other mortgage company or with them prior. This is predatory lending and they coerced me into a loan modification under the guise of a refinance.
Consumer complaint received 2020-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In XX/XX/XXXX I called XXXX XXXX Loans to inquire about the option to refinance. The loan had recently been sold to them from another mortgage company. The lady on the phone asked what my reasoning for wanting to refinance and I told her to lower the interest and payment. She said that there were options available and directed me not to pay the next few payments in order to be put in the program to lower my rate and payment. I was lead to believe that I was going to be going through a refinance. Starting in XX/XX/XXXX I was instructed to pay a lower payment amount for 3 months and then they would finalize the payments and interest. They had put me into a forbearance and loan modification. When I called and asked what this meant they said this was the only way to get the lower interest like a refinance. I had no idea I was not getting a refinance. I paid the payment for 3 months and they extended it for another 3 months through XXXX. Then they said they were going to finalize everything and not to pay XX/XX/XXXX. In XXXX I found out my house was in the paper as being auctioned off on XX/XX/XXXX. I called and they said I had not made a payment since XX/XX/XXXX and my house was being foreclosed on. I paid almost {$13000.00} to have my loan reinstated and have been fighting this issue with them since XX/XX/XXXX. They finally reported that my loan status was ok for XXXX, XXXX, XXXX, XXXX, XXXX and XXXX of XXXX but they will not budge on the other months. I was told by them and followed instruction by XXXX XXXX Loans to not pay for those months. I had never missed a payment with the other mortgage company or with them prior. This is predatory lending and they coerced me into a loan modification under the guise of a refinance.
Consumer complaint received 2020-04-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I called to resolve the amounts that were told to me of XXXX and another amount of XXXX. I did not receive anything to show where these amounts came from. The gentleman who I spoke with was very rude and was not very helpful in trying to come up with a settlement amount. I asked to speak with a manager or supervisor and he stated that he was a manager. I understand that they want their money but 90 % of what someone owes is not helping someone who is not able to afford it. With all the sickness and deaths happening, I thought he would've been a little more compassionate. I know that I owe the money and I want to pay them but I am in need of a little help. Thank you in advance for any help that you can provide.
Consumer complaint received 2023-08-07
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (KY)

Comenity bank has called me multiple times in one day, for many days in a row. The calls range from 3-5 calls in one day. 
XX/XX/XXXX ( 5 calls, times not recorded, but screenshots available ) XX/XX/XXXX ( 3 calls, times not recorded, but screenshots available ) XX/XX/XXXX - XXXX, XXXX, XXXX, XXXX XX/XX/XXXX XXXX, XXXX, XXXX This is a direct violation of The Fair Debt Collection Practices Act ( FDCPA )
Consumer complaint received 2023-05-26
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. (GA)

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 Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-04-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (OK)

XXXX XXXX XXXX ( XXXX XXXX XXXX ) has sent me XXXX fraudulent medical invoices to collect a debt that is not valid. I have received XXXX Fraudulent Medical Invoices on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Today, XX/XX/XXXX, I received a debt collection letter from HRRG and I have sent a dispute letter to HRRG. The XXXX invoices are fraudulent and state that I owe {$150.00}. I have contacted my medical provider to let them know that I have received XXXX fraudulent letters/invoices and I have filed the following complaints in the past with XXXX  and FTC on XX/XX/XXXX and XX/XX/XXXX. The XXXX invoices contain misspelled words, fraudulent account numbers, and fraudulent medical provider name. The XX/XX/XXXX fraudulent invoice asked me to fill out my insurance information and credit card information. The website address listed on the invoice is XXXX I have contacted XXXX XXXX XXXX to verify if I owe a balance and I do not owe a balance, after paying a total of {$770.00} in medical bills from the XX/XX/XXXX emergency hospital visit. I have confirmed that two payments were made by me on XX/XX/XXXX for {$730.00} to the XXXX XXXX XXXX and a payment of {$39.00} was made by me to XXXX XXXX, XXXX on XX/XX/XXXX and I can provide copies of my paid medical invoices from XX/XX/XXXX emergency visit.
Consumer complaint received 2023-01-06
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: EQUIFAX, INC. (NC)

I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.
Consumer complaint received 2020-08-04
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (AL)

This company is reporting that i have one 30 day late payment with them and also a 60 day late payment with them. Please be further advised, I dispute the validity of the alleged late payments in its entirety. Further I request verification of the alleged late payments.i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Consumer complaint received 2020-06-13
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)

I have several hard inquiries that are inaccurate with Equifax. These stem from the well known equifax data breach. I submitted a dispute for 3 inquiries. XXXX, XXXX, XXXX XXXX. 

They did not make the changes because they said " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact : ( company name ) '' I have several problems with their response. First, for XXXX ; XXXX already contacted equifax and had the related fraudulent delinquent account removed, however i can't figure out why equifax can not remove the associated hard inquiry. 

Second, for XXXX. This was also fradulent. I spoke with XXXX and they told me i had to dispute it with Equifax. I'm not sure who is right here but they are both saying the other company has to make the change. I don't care, but just want this resolved. 

Third, i will point out that these fraudulent inquiries are the direct result of the equifax data breach. They should be more helpful in resolving the problem they created.
Consumer complaint received 2020-04-13
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. (MI)

I submitted a dispute with Experian first week in XXXX because they kept showing the wrong information about a credit card I have paid off to XXXX balance after a couple of tries they removed my credit card account off of my credit report and it made my credit score go down I just wanted them to report the balance as XXXX I did not want them to remove my credit account please help me resolve this matter any way you can thank you.