davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

I applied for this card in late XXXX. I applied right away for autopay by filling out the paperwork Bank Of America sent to me for this purpose. My wife and I mailed it out. I went online to see if it had gone through and when it hadn't I called their customer service. Bank of America said the paperwork was not recieved. So my wife and I tried to set it up online several times, and had trouble, and tried to get assistance from their customer service on the phone. They said we had to do it online. After several more times of fighting their website, we thought we accomplished this. The company did call us a couple times over the summer of XXXX I believe to say the payment was late, which was perplexing as we thought it was set up autopay correctly. So we paid over the phone. And then continued to get late fees. And tried again to set it up with paperwork through the mail. Again, it failed. Next my wife finally figured out how to set it up, but there is no way to set it at minimum payment and it has to be a set amount. It was hard to know if this covered the minimum or not. Their website is very difficult, the worst we have used. Finally, however, we were not getting late fees and it was paid each month on time, and my wife made several payments of larger amounts via check and mail to keep the amount down. We asked them to waive some of the payments due to the difficulty of getting autopay set up, but they refused saying too much time had gone by. It had been maybe 90 days. The late fees added up to {$150.00} or more. 
Then on XX/XX/XXXX Bank of America charged me the annual fee of {$75.00}. Then on XX/XX/XXXX, they cancelled my account. They said due to current or past delinquency as one reason. But we feel due to their poor management and website, this was not our fault. We tried at least 8 or 10 times ( likely more ) to set up autopay, and twice was filling out forms and sending by mail. I asked them to refund the fee due to the fact they cancelled the card right after, but they would not. I called and talked to several people including a Bank of America Analyst. 
I hadn't had a late fee in a over a year, I hadn't gone over my limit either. I do not feel it was justified that they cancelled my card. I also think it has reflected poorly on my credit records. I would like them to rescind that damage to my record. I would also like the card reinstated and Bank of America to streamline their autopay process so people are not getting burned financially by this frustrating process. 
I talked with and XXXX  XXXX person who suggested that I take up this process. 
I also talked to a friend in town who had the exact frustration and problems with autopay and late fees.
Consumer complaint received 2022-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

EQUIFAX has continued to verify the XXXX XXXX account as accurate, I have attached the result of EQUIFAX Dispute dated XX/XX/XXXX. You can clearly see from original creditors payment history that the balance reported as of XX/XX/XXXX is ( XXXX ) however EQUIFAX continues to report a past due balance and the account as charged off. Remove XXXX XXXX account attached to this email because you are reporting a balance and a charge off that are not accurate based upon your own investigation. Furnishing incorrect information willfully on my report is a Violation of FCRA.
Consumer complaint received 2020-03-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX 3 transactions were made it started at a gas station then at a design store then XXXX a total of almost {$400.00}. They only refunded me the first transaction from the gas station but not the rest which I didnt dispute since they said my chip was used for the purchases when I clearly spoke to the rep when the transactions were being made. How can I argue with the bank its pointless at this point I feel hopeless and annoyed since today XX/XX/XXXX another transaction of {$8.00} was made having to go through it all over again. Canceling my card for the 2nd time less than a year its just annoying since they dont help me in clarifying why is my information keep getting hacked.
Consumer complaint received 2023-09-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting act ( XXXX XXXX ) Account # XXXX has violated my rights.15U.S.C1681 section 602 A. States I have the rights to privacy.

15U.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 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2021-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NJ)

Due to XXXX XXXX and XXXX problems I contacted loan company about vehicle they agreed and were happy to take van back which they sold for {$1000.00} dollars more than I owed. After the sale they added a {$40.00} charge to my credit account and refuse to let me pay it they intentionally are hurting me its a crime. They continue to report a charge off every month 4 years later refusing to let them give them {$40.00}
Consumer complaint received 2020-03-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC (TX)

I spoke to Ability Recovery Services and asked to settle my account, I was told I could settle my account and I requested a letter with information in order to do this. They assured me they would send me a letter with information regarding my account. 
One week later I still had not received a letter, I called Ability Recovery Services again, I was then told they sent it to the " wrong address '' I gave them my address again and they assured me they would send me a letter. 
One week later I still had not received a letter. I called Ability Recovery Services a third time and this time was told that they could not send me a letter legally and would have to speak to their lawyers in order for me to get a letter? I was very confused by this as they had said they sent one.

I told them since I was working with a financial advisor I needed my debt settlement in writing before paying, they told me they could not provide that to me until AFTER I paid them not before. This seemed fishy to me ... as I have been paying off all my debts and every other debt collector had no issue sending me a letter.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

I am writing to formally dispute an inquiry that appears on my credit report, which I believe is unauthorized. I have no recollection of authorizing this inquiry or engaging in any business or financial transactions with those listed creditors. Those inquiry is inaccurate and is negatively impacting my credit score.
Consumer complaint received 2020-03-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (TX)

I received a credit monitor alert for things I have no knowledge or applied for. I contacted XXXX XXXX, XXXX, XXXX and AFNI collection company about fraudulent accounts being on my credit report. Someone obtained a phone account with XXXX XXXX XXXX XXXX in the amount of {$290.00} in XXXX of XXXX. It was removed from my credit reports with XXXX XXXX XXXX XXXX XXXX XXXX in XXXX after my complaint and report of identity theft and now the exact same charges of {$290.00} from XXXX XXXX XXXX is back reporting through another collection company called AFNI located in Florida. I want these unauthorized fraudulent accounts to be deleted. I have filed numerous complaints but yet, AFNI and XXXX XXXX XXXX continues to attempt to collect a debt that is not mine and not owed repeatedly putting it back on my credit reports.
Consumer complaint received 2020-03-15
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: Santander Consumer USA Holdings Inc. (MA)

Credit inquiries that I do not recognize or have authorized. 

XXXX XXXX XXXX XX/XX/XXXX Chrysler Capital on XX/XX/XXXX and XX/XX/XXXX
Consumer complaint received 2021-03-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (TX)

XXXX promised me they would help me find a job if I ever needed help. They never helped and out out of business. Stuck with school loan for 21 years now. Maintained job that doesnt provide enough to help me pay it down. They added another XXXX to it some how thru there tactics. Not sure how to prove that as I cant find where they upcharge me ect. I still owe XXXX with a XXXX interest rate, there is no covid relief for a school that no job considers a school anymore. They just tell me there is nothing I can do about anything when calling them. Loan type FFELP.
Consumer complaint received 2020-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX  is showing a 90 days late payment on a US DEPT OF ED/XXXX account. 

The issue is that my account is not 90 days late, or late at all for that matter. 

My loan is current and in deferment status.
Consumer complaint received 2020-03-15
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. (FL)

XXXX is showing a 90 days late payment on a US DEPT OF ED/XXXX account. 

The issue is that my account is not 90 days late, or late at all for that matter. 

My loan is current and in deferment status.
Consumer complaint received 2020-03-16
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. (KS)

Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To  Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX  XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX  XXXX  XXXX  XXXX  XXXX  XXXX XXXX/XXXX
Consumer complaint received 2020-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion is showing a 90 days late payment on a US DEPT OF ED/XXXX account. 

The issue is that my account is not 90 days late, or late at all for that matter. 

My loan is current and in deferment status.
Consumer complaint received 2022-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

This account is inaccurate and false reporting. Please remove it from my credit report. 



XXXX  XXXX Bankruptcy / XXXX/ {$0.00}
Consumer complaint received 2022-03-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (MA)

My mortgage statement and payment coupon are not delivered to my house in time for me to make an on time payment on my mortgage. I have complained numerous times to Select Portfolio Servicing Inc.. The company representative states that SPS Inc. is within their rights to delay the generation of and mailing of my statement and payment coupon beyond the grace period date, and that the delay should be blamed on the United States Post Office poor service. The company makes no allowance for my reliance on the USPS to return payment timely. The company stated that if I were to return payment beyond the grace period date, I would be charged a late fee regardless of when my statement and payment coupon was received by me. 

SPS Inc. representatives state that I could sign up for their internet based payment method. This is unacceptable to me. I do not trust a company, that does not care enough to mail a statement timely, would care enough to safeguard my banking and other personal information online. 

I have to wait by the mailbox daily hoping that my statement and payment coupon will be delivered in time for me to immediately write out a check and return to them before the date a late fee would be charged or worse, be recorded and reported late to credit agencies. 

This intentional delay causes undue stress on me. This intentional delay unfairly enriches SPS Inc. as my payment is posted to my account, after the first of the month, every month. 

I would like the CFPB to address this important issue with SPS Inc.. SPS Inc. acknowledges slower mail delivery, it is incumbent upon this company to adjust the date that my mortgage statement and payment coupon are printed and mailed.
Consumer complaint received 2023-09-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

Portfolio Recovery Associates recently reported a debt of {$680.00} on my consumer report without notifying me and providing the necessary documents which the Fair Debt Collection Practices Act Requires for them to provide before reporting. Ive recently sent a letter certified mail. If they can not provide what Ive requested the account must be deleted immediately. Thanks
Consumer complaint received 2023-09-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (TX)

On XX/XX/2023 my Chime account was hacked and numerous unauthorized charges were made on my account I contacted Chime Bank to report the unauthorized charges and dispute them. Chime Bank says they investigated my claim and has denied all of the unauthorized charges the charges were XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. All of these unauthorized purchases were made on XX/XX/2023 while I was at work. I notified Chime on the same day and immediately disputed these unauthorized charges and till this day they have not replaced my money.
Consumer complaint received 2022-12-31
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. (IL)

I had a mortgage with XXXX XXXX  from XX/XX/XXXX until XX/XX/XXXX. During that time frame I never missed a payment with that company. That is over a 8 year history of on time payments. I refinanced that mortgage with a Different lender at the end of XX/XX/XXXX which was XXXX XXXX. During the refinance process I will was told by a representative of XXXX XXXX  named XXXX that I would be granted a 30 day grace period to allow time for the loan to close and that payment would be added to the back end of my loan. Unfortunately that did not happen because of an error on XXXX XXXX  behalf and my account ended up being reported 30. Days late right before my new loan with XXXX XXXX closed. This has negatively impacted my credit history and has prevented me from obtaining the best interest rate to purchase a new single family home. I was a loyal customer to that company and I need them to do the right thing and remove this late payment from My account based on my previous payment history and the incorrect information that I was given by customer service rep name XXXX in the first place.
Consumer complaint received 2020-03-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX Todays date:XX/XX/2020 MIDLAND CREDIT MANAGEMEN Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious MIDLAND CREDIT MANAGEMEN Reported : XX/XX/2020 I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2020-03-15
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: HUNTINGTON NATIONAL BANK, THE (FL)

On XX/XX/XXXX and XX/XX/XXXX, I've contact XXXX  regarding an account that no longer belongs to me. Because of a divorce, the judge granted full responsibility of an Recreational Vehicle financed by Huntington National Bank to my ex-husband. He was to be responsible for payments and management. I have submitted court documentation on multiple occasions to support that I no longer am liable for this account. I have submitted on 4 occasions, with no feedback regarding why they didn't remove the account or if they need additional information. When I attempted to contact Huntington National Bank, I was advised that I was no longer allowed to get information on the account. Then my exhusband claimed bankruptcy and claimed Huntington national bank in his chapter XXXX. Again, I tried to notify the bank that I was in disagreement with bankruptcy, and I was told that I no longer have responsibility to the RV. Our court paperwork, dictated we were not allowed to claim bankruptcy on martial debt, but somehow there was a loophole because he was granted full responsibility of the vehicle ... ..So therefore, I should'nt be held responsible for his poor finances and his inability to pay.