davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-01
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

There is an item from Bank of America on my credit report that does not belong to me and must be removed because its a fraud item but they always return back confirming that this account belongs to me with no proof. I need this item removed from my credit report because its effecting my life and i will look into legal means if this does not get solved soon
Consumer complaint received 2019-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

I used the Experian website to temporarily remove a credit freeze on my account. The website told me my credit report was temporarily unfrozen for the time I requested. The credit union attempted to pull a credit report but was denied. I received an email from Experian telling me that they declined access to my credit report. I attempted to call Experian using various phone numbers and can not get out of the voicemail application. There is no selection that addresses my problem and I can not get a 'live ' operator or customer service representative. All I get is a message to mail a letter to them and explain the problem. Why can't we contact the credit bureau and why are they allowed to run their business this way?
Consumer complaint received 2015-10-15
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Byrider Franchising, LLC (TX)

I made a payment with my debit card for someone else 's Auto loan. The account manager, XXXX, billed an unauthorized charge to my card, saved the card to file when I told him not to, and continues to call and hang up after I told him not call my anymore. I recorded the conversations I have had with him and with his Manager XXXX XXXX XXXX.
Consumer complaint received 2021-12-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (TX)

I tried to close my account online with Paypal. The account would not close. I called the number on the website three times. Each time they told me I would not be able to close the account. I tried to remove my bank account info from the website and was unable to do so. After calling customer service again they said they could not help me.
Consumer complaint received 2021-07-28
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. (NC)

I have submitted disputes to Equifax, who does not actually investigate my disputes. I know this is a clear violation of the FCRA. The inaccurate entries on my credit report have remained, having a detrimental effect on my ability to obtain credit. I have called to inquire as to why the investigation has taken significantly longer than 60 days ; however, I am transferred multiple times, and eventually disconnected.
Consumer complaint received 2019-12-14
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. (NY)

I am writing to dispute an account fraudulently opened in my name. 
I am a victim of identity theft and did not open this account. 
I am a victim of the Equifax data breach. 
State issued ID have been compromised and my social security has been compromised. 
My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts. According to federal laws you are required to provide undeniable proof that this debt is valid. 
I HAVE LISTED BELOW THE APPLICATIONS FOR CREDIT SUBMITTED FRAUDULENTLY WITHOUT MY AUTHORIZATION OR PERMISSION TRYING TO OBTAIN CREDIT OR GOODS USING FRAUD. ANY OTHER REQUEST FOR CREDIT BY ANY OF THESE COMPANIES LISTED BELOW SHOULD ALSO BE FLAGGED AS FRAUD AND I DEMAND AND REQUEST THESE BE REMOVED, BLOCKED AND DELETED IMMEDIATELY FROM ALL MAJOR CREDIT REPORTING AGENCIES. 

XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX, XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX/XXXX  - XX/XX/XXXX, XXXX  - XX/XX/XXXX
Consumer complaint received 2019-02-07
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)

The school I attended and ultimately graduated from ( XXXX of XXXX XXXX ) was found to have been providing false employment stats to its prospective and current students. Ref : https : XXXX The regulation, also known as the borrower defense rule, relieves the borrower of the obligation to repay all or part of the loan and associated costs and fees. 
The regulation further provides : If the borrowers defense against repayment is successful, the Secretary notifies the borrower that the borrower is relieved of the obligation to repay all or part of the loan and associated costs and fees that the borrower would otherwise be obligated to pay. The Secretary affords the borrower such further relief as the Secretary determines is appropriate under the circumstances. Further relief may include, but is not limited to, the following : ( i ) Reimbursing the borrower for amounts paid toward the loan voluntarily or through enforced collection ; ( ii ) Determining that the borrower is not in default on the loan and is eligible to receive assistance under title IV of the Act.

( iii ) Updating reports to consumer reporting agencies to which the Secretary previously made adverse credit reports with regard to the borrowers Direct Loan. 

This private loan through Navient should fall under the same classification for loan forgiveness as the federal loan has already been reviewed. Upon approval I am also seeking compensation for funds previously paid to this institution and the damages associated to my credit and my co-signers credit corrected / repaired as job placement was not available to support the student loan financial demands..
Consumer complaint received 2016-01-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Ballybunion Enterprises, Inc (VA)

This company is a fraud and they steal customers money out of customers account bank account or debit card information. If the customers does not pay they threaten to take legal actions or garnishments on their accounts. The company will go in a customers account without their permission and steal money causing you fees over draft fees or you not to be able to pay other bills because they went in your account with out your permission
Consumer complaint received 2021-07-28
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. (MA)

I filed a dispute with XXXX, Equifax, and XXXX regarding incorrect information on my credit report. I have not received a response regarding incorrect information on my credit report being removed. I has been well over 40 days.
Consumer complaint received 2021-07-28
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. (PA)

In XX/XX/2021 XXXX/XXXX  's sent me a 1099C deeming the account settled in full, I have made several attempts since XX/XX/2021 to settle and pay this account. XXXX XXXX has continued to refuse my payments, the balance on this account must be brought to a XXXX  balance. A 1099C satisfies this debt and must be reported accordingly. I have started disputes with XXXX XXXX, Experian, XXXX  separately and to no avail. XXXX  is the only bureau to report this correctly after the dispute. Experian, XXXX and XXXX are still reporting the account to be {$7300.00} past due in XX/XX/2021.
Consumer complaint received 2021-07-28
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: National Management Recovery Corp. (NMRC) (TX)

On XX/XX/XXXX National Management Recovery Corporation called my last employer, XXXX and told the XXXX I was going to be charged with electronic check fraud and they would be there to serve me immediately if I didnt pay in full. They left the number XXXX and case number XXXX. They represented themselves as a law office and provided a number as well as a case number. When I called the number they told me a debt had been turned over to them by XXXX and the state would be prosecuting me for fraud as well as their attorney would be suing me. They repeatedly told me I would be prosecuted and held accountable for the fraud I committed. When I asked for names and addresses they refused to provide me with additional information. I requested proof of the debt and the threats they were making or anything in writing to help eradicate the matter and was told there was nothing that could be done but pay in full. They made multiple threats to attach additional fees if I didnt pay in full immediately that same day XX/XX/XXXX. They have since then called multiple people telling them this. I havent committed any fraud I repeatedly asked for proof and to be sent of what they were saying and was told I couldnt be helped. Luckily, my last employer records all calls so I can get recordings of the call if need be. This company is violating FDCPA rules and regulations and multiple complaints have been filed against them with the XXXX. Businesses like this shouldnt be allowed to operate without penalty. I cant undue the lies they keep telling my ex coworkers and different family members they have called. I have told them repeatedly to stop calling. They refuse just as I refuse to pay a debt Im not responsible for. On XX/XX/XXXX I finally found out the name of the actual company who had been calling making the threats. XXXX sent an email stating my debt had been sold to National Management Recovery Corporation on XX/XX/XXXX. This company repeatedly denies that it is them making the threats by saying its another company but no other company would have the data to quote the loan amount that remained. Not to mention the threats began not even a week after the debt was sold. This is illegal and something has to be done.
Consumer complaint received 2022-05-26
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 sent a dispute letter to both XXXX and Experian regarding inaccurate and incomplete information that is reporting on my credit report. They have not responded nor investigated the incident. The letter is attached to this complaint.
Consumer complaint received 2021-07-28
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CT)

My savings account was involved in a Wire Fraud amounting to {$4900.00}. I contacted Citibanks branch office in person to alert them of the situation. They told me they will investigate and return my money back in 90 days. I patiently waited even though I never heard back from them. Upon the 90 days period ( XX/XX/XXXX ) I went into the branch and I was told they have no money for me. I either get a lawyer or forfeit my money. I closed my accounts right away. My own bank meant to protect my lifes saving showed no form of responsibility and totally is trying to take advantage. I am on the verge of homelessness because of this.
Consumer complaint received 2021-07-28
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (IN)

I was called back in XXXX and offered a stream lined refinance. for a few weeks i was regularly contacted and provided all information that was requested from me. Then out of the blue the refinance was closed with out notification to me. I called and was told there was a missing letter of subordination due to my down payment assistance program. The refinance was reopened and again I provided all information requested from me, including paper work from a 7 year old bankruptcy that I had to pay for for this that wasn't even needed when I purchased my home. a few weeks passed and again no contact. When I called. I was once again told that it had been closed without notification to me. After this I filed a complaint with the CFPB. I was contacted that day and the refinance was reopened again I provided the information requested and this time was informed they needed a letter from me requesting the letter of subordination which was provided that same day. A week later I received a call stating i was going to have to pay a rate lock fee because I had not provided the the letter to which I produced the email where the letter was sent to whom it was sent and a confirmation that it was received. I also refused to pay the rate lock fee because none of the dragging out of this process was on my end. Three days later I received a phone call just to tell me everything was moving forward and they were working on a subordination agreement. Two weeks passed I received no contact so i called to see what was going on and after being shuffled thru 4 different people i was finally told it had been closed again. Then i was told that there was a lien on my home that i needed to pay or they would not refinance. At the beginning back in XXXX i notified them of my down payment assistance program was told it was not an issue. When i accepted the down payment assistance I was told I could refinance without an issue. when I contacted the down payment assistance program today to find out their side of the story regarding the letter of subordination it turns out freedom never when thru the proper channels to receive it. I am tired of fighting with the mortgage company to obtain what they called and told me what they were going to give me for being a new customer.
Consumer complaint received 2021-07-28
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

On XX/XX/2021 I reached out to CITIZENS BANK in regards of applying for a consumer credit transaction. At my request, I gave notice to the mortgage loan officer that I was asserting and reserving all rights under the ECOA ( Equal Credit Opportunity Act ). Pursuant to : " Use of Credit History Information -- 12 CFR 1002.6 ( b ) ( 6 ) '' This request was made verbally by phone, also through via email and USPS Certified Mail. ( Please see all attachments for confirmation ) Through correspondence with the mortgage loan officer via email, she stated that my ECOA ( Equal Credit Opportunity Act ) request is being forwarded to her supervisor, her supervisor then informed me by via email that this matter was being forwarded to their legal department for review. I have not heard back from the mortgage loan officer on any updates or status transparency, nor have I been granted the opportunity to apply for this transaction.
Consumer complaint received 2021-07-28
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. (PA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2019-12-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (NJ)

I am writing to dispute an account fraudulently opened in my name. 
I am a victim of identity theft and did not open this account. 
I am a victim of the XXXX  data breach. 
State issued ID have been compromised and my social security has been compromised. 
My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts. According to federal laws you are required to provide undeniable proof that this debt is valid. 
A fair resolution to this issue would be complete deletion of this trade mark being reported to all major credit reporting agencies. 
Thank you for your assistance.
Consumer complaint received 2021-07-28
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: HYUNDAI CAPITAL AMERICA (VA)

Hyundai XXXX Finance Title Problems : I have been waiting for over 2 months Hyundai XXXX finance release my title. I purchased my vehicle XXXXat the end of lease, confirmed they received the check full amount {$29000.00} of purchase price on XX/XX/2021 and sent the odometer by mail and email 3 times. 
Also called the XXXX XXXX XXXXXXXX ( XXXX ) several time and received email from XXXX XXXXXXXX that they would be sent out the title 3-5 business days. No response! 
XXXX XXXX told me that my odometer was not signed, not true, the other XXXX and XXXX says they have staffing problems etc. so many excuses. 
They emailed me they forwarded my email to Lease Buy out Team, No Response! 
I complained to my dealer at XXXX XXXXXXXX XXXX XXXX, No Response! 

Hyundai XXXX doesn't care about customers once they finished the Lease. 
Please help me to get the my Title release from Hyundai XXXX XXXX XXXX XXXX.
Consumer complaint received 2021-07-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (OH)

The FNB 's online banking system is not stable, and it can't be open now while I am writing this complaint. So the below dates are what I remembered. 

Several days ago, around XX/XX/XXXX I wanted to transfer all the remaining balance ( around {$710.00} ) from FNB to my other bank. One or two days later, I saw a new transaction that FNB charged me a returned item fee ( {$37.00} ). I was surprised, then I noticed that they have a {$0.00} transfer fee that I forgot to deducted when transfer. So I immediately contacted FNB by phone and ask the representative if they can waive the fee. They said NO, they can't return any fee. So I asked the representative if I can close my account. The representative said YES, and requested me to send an email to her with my full name, address, and account number. After the call, I immediately send an email to her. But she send an email to me that she can not close my account because my address is different than the one on file. She will need me to go to any branch or send her a notarized letter. I sent her another email stated my old address and current address, and told her I updated my address in the system in the morning. Probably the system needs sometime to reflect my most recent address. So I told her that I will contact her again to close my account once my address is updated in their system. 

Yesterday, XX/XX/XXXX, I looked my account again, and found there was another {$37.00} returned item fee charged on my account. I don't know why FNB charged me again, so I wrote another email to the representative if she can waive the fee this time. Meanwhile I receive a message from FNB says my address is successfully updated in their system. So in the email, I also told the representative that my address is updated in their system, I would like to close my account. The representative said the transfer was pulled again and NO, they can't return any fee. I was so disappointed and mad because I don't know why and who pulled transfer and why FNB charged me twice. The representative also said they can not close my account unless I go to the branch or send her a notarized letter. I don't understand why they want me to do that even my address is successfully updated. Btw, the closet branch is 1 hour and 30 min away from me, and I don't want to spend more money and time to have a notarized letter. I am really upset and don't know what I can do to close my account. I can not believe that I can not close my account simply because I updated my current address in their website. I also don't now why FNB charge me twice the returned item fee and if they are going to charge me again and again even I didn't transfer.
Consumer complaint received 2022-11-12
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. (CA)

When we struggle its often because we can not obtain credit as you people and this particular instance we believed derived from the Equifax breach. in XXXX I received notices og being placed on the dark web.and XXXX 's paid watchdog service told me my information had been leaked on the dark web and not days later did my cards go to default status over the next two. I let all three CRA 's know about three accounts that where completely unbeknownst to me I had filed an FTC Identity thetf. nearly 4 years later I am still sitting here with the same disputed items all related to id theft and Ive wasted 4 yers as a single parent struggling. FCRA laws including rule 605b and [ Codified to 15 U.S .C. 1681 note ] These accounts should be blocked : XXXX {$4600.00} XXXX XXXX {$130.00} XXXXXXXX XXXX XXXXXXXX XXXX  {$1200.00} :.