davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On XX/XX/XXXX of 2021, I experienced a credit card fraud through a hacker who was impersonating one of my close friends using social media ( XXXX specifically ). He asked to send me a little bit of money at first claiming that he was doing something with stocks. Then, he continued to ask me for more and more money saying that I will not be able to receive my money back until I had sent him more money. I sent a total of {$8500.00} using XXXX, XXXX, and XXXX. As soon as I found out from my actual friend ( the one that the hacker had been impersonating ) that it was a fraud, I contacted my bank. They asked me what happened and I gave them my answers and they told me that they would investigate this information. However, later I saw that the case had been resolved with no refunds because I had made the transaction. I re-opened my case with some proof ( screenshots from XXXX  messages of me and the hacker and text messages from my friend saying that he had been hacked ) to show that this case was a fraud to get my money back. A few months later, I got another letter saying the same thing with no additional information. I even went into the bank to talk about this with someone but they simply told me I had to submit documents and proof and wait for them to say something. I lost so much money because of this fraud, and this almost a year 's worth of my college tuition. I don't know why the bank continues to resolve my case ( without any disputes ) even with the all the proofs that I could possibly gather from my interaction with the hacker. I really need this money back and I don't know what else to do at this point after months of waiting and trying to get my money back.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (NY)

I switched over to XXXX servicing because I qualify under the public service forgiveness loan. I spoke to several representatives from navient assuring me that all my payments from XX/XX/2015 would count towards the forgiveness. Well I was told my XXXX that I had to change my payment status. So I redid my information and was told of my new payment but that none of my payments from navient would count for the forgiveness loan. Navient assured me it would. Now 2 years of payments meant nothing for the forgiveness. I would like that rectify since the only way I will go income base with XXXX is if my payments from XX/XX/2015 count towards the forgiveness of the loan.
Consumer complaint received 2016-03-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Wilber and Associates, P.C. (IL)

While attempting to negotiate some sort of settlement with Wilber Law Firm/Group, etc., I was repeatedly spoken to with complete disrespect. The representative XXXX, was rude and unprofessional on most every call I 'd ever experienced with her ( about 4 or 5 ). After several unsuccessful attempts to negotiate a reasonable repayment plan and consistently being spoken to like a useless bum of some sort, I eventually decided I 'd need to find a different route to settle this debt especially being that all of the harassment was coming from a " debt collector ''. I later learned that law firm had already sent a letter to the DMV causing my driving license to be suspended months earlier. I am currently in the process of researching if the action was even a legal one on their behalf. I even mailed a letter to the firm during all of this informing them of the tactics being used to force me to pay the debt. Who responded? XXXX. When I called for the last time to attempt speaking with a different person ... again I was taunted my none other than XXXX. When requesting verification of the debt, she mailed me cut off documents that explained none of what I 'd asked for After she 'd already let me know that the company should n't need to waste their stamps due to me being irresponsible. I later researched to see if I was the only person having such a problem from this company to learn that several complaints have been filed against this company for many of the same reasons and some even worse. The lists of complaints go back for years. Well, add this one to the list.
Consumer complaint received 2023-11-08
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (NJ)

Transworld has posted a collection account to all 3 of the credit bureaus for XXXX. The original first date of delinquency is even older then the XX/XX/2017 that they say. This debt was previously posted on my credit reports years ago and went past the statute of limitations on it. I had all 3 bureaus investigate this matter and XXXX saw thru and removed it, XXXX and XXXX did not, although I'm having it reinvestigated thru XXXX. It would appear to me that Transworld pulled some finagaling in regards to this and posting it to my reports as if it is some new debt, which it is not. As I understand these type of tactics are unfair and illegal. I have never admitted to debt, arranged any payment plan or recieved any correspondence from/with Transworld.I would like this matter to be put to rest and stop the harassment of reposting this
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions 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 Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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 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 2021-12-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

In XX/XX/XXXX, the world was placed on a mandatory shut down, the lender offered a forbearance to help, my income was affected by the mandatory lockdown. once the forbearance expired, I was advised I qualified for a loan mod. I applied in XX/XX/XXXX, after multiple document rejections my status went into under review, on XX/XX/XXXX I saw that I was no longer under review and it had full balance due. I didn't receive a denial letter and or communication explaining why I was denied. I like many others didn't expect or want to be in this situation, I do not want to lose my home. XXXX XXXX XXXXXXXX XXXX XXXX. It was my understanding that a forbearance is in place to help the borrower and the past due would go to the end of my loan. I was mislead about what a forbearance was and now I am suppose to pay a large lump sum I don't have. we are still in a pandemic I need help
Consumer complaint received 2021-12-18
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY (NE)

I had lost my card and somebody was using it so I called bluebird American Express prepaid card to dispute the transaction on XX/XX/21 I did all steps to complete it four days later they sent me a email saying all the transactions was done by me when I dont even have the card then today XX/XX/21 the closed my account and I had XXXX $ dollars in there because my social security payment came there on the XXXX I just need my money that was left in my account they have blocked my number from calling and told me to write a letter if I have any questions they gave me a 1800 number that dont want it tells me to call back
Consumer complaint received 2016-08-31
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America has continually stolen money from me and has always gotten away with it. Honestly, there have been times where Bank of America reps have been gracious, helpful, and courteous. Most of the time however, there is a significant pattern of disrespect and abuse to loyal customers. Personally, I am a student and always have been while being a Bank of America customer. I started out my account with them as a XXXX, and for a while I did n't understand or was n't aware of how banks work. Now I do, and I am still a student. Monthly, my bank account ( even if there are insufficient funds ) gets deducted {$12.00} because of Bank of America 's " monthly maintenance fee. '' I think it is wrong that Bank of America obviously can physically see that my account is lower than the $ XXXX-and at times and yet they still take. And that brings me to my more pressing concern-the overdraft items or fees they assess, which is the reason I am submitting a complaint. I am not sure how often they will assess an overdraft fee which is {$35.00} each time, once they realize your account has insufficient funds. What I am sure about is that I am a student at a University, a young mother, and I am sure that I do not need a bank continually assessing an overdraft fee, if I obviously can not replenish my account with sufficient funds.
Consumer complaint received 2021-12-18
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)

My Auto loan for my financed XXXX XXXX XXXX XXXX was sold outright and was paid in full on XX/XX/XXXX, and a paid-in-full letter was obtained by the lienholder ( XXXX ) on XX/XX/XXXX XXXX evidence the payoff on this account. 

Currently, this account is still showing a balance on my credit reports from XXXX, XXXX and Experian. This is in violation of the Federal Credit Reporting Act, because the information reported by all three bureaus is misleading by perception, supported by 15 U.S.C. 1681. 

Email address : XXXX Mailing address : XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2021-12-18
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)

The auto loan for my financed XXXX XXXX XXXX XXXX was sold outright and was paid-in- full on XX/XX/XXXX, and a paid-in-full letter was obtained by the lienholder ( XXXX XXXX ) on XX/XX/XXXX to evidence the payoff on this account. For background knowledge, I am the co-borrower on this account, and my fiance is the borrower. 

Currently, this account is still showing a balance on my credit reports with XXXX, Transunion and XXXX. This is in violation of the XXXX XXXX XXXX XXXX, because the information reported by all three bureaus is misleading by perception, supported by 15 U.S.C. 1681. 

Email address : XXXX Mailing address : XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2021-12-18
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)

The auto loan for my financed XXXX XXXX XXXX XXXX was sold outright and was paid-in- full on XX/XX/XXXX, and a paid-in-full letter was obtained by the lienholder ( XXXX Bank ) on XX/XX/XXXX to evidence the payoff on this account. For background knowledge, I am the co-borrower on this account, and my fiance is the borrower. 

Currently, this account is still showing a balance on my credit reports with Equifax, XXXX and XXXX. This is in violation of the Federal Credit Reporting Act, because the information reported by all three bureaus is misleading by perception, supported by 15 U.S.C. 1681. 

Email address : XXXX Mailing address : XXXX XXXX XXXXXXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2023-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX, Best Buy Visa card contacted me for suspicious charges. One of the charges was to XXXX for {$860.00} for an online purchase. I did not make this purchase! Please investigate my online activity and audit my phone and computer!!!! As a matter of fact, XXXX # XXXX is common fraudulent charge. On XXXX, I received a letter from BestBuy Visa stating that there was not substantial evidence of unauthorized use for XXXX on XX/XX/XXXX. I am requesting more investigative action be taken ; as I swear I did not make this purchase!!!!
Consumer complaint received 2021-12-18
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)

My Auto loan for my financed XXXX XXXX XXXX XXXX was sold outright and was paid in full on XX/XX/XXXX, and a paid-in-full letter was obtained by the lienholder ( XXXX ) on XX/XX/XXXX XXXX evidence the payoff on this account. 

Currently, this account is still showing a balance on my credit reports from XXXX, Transunion and XXXX. This is in violation of the Federal Credit Reporting Act, because the information reported by all three bureaus is misleading by perception, supported by 15 U.S.C. 1681. 

Email address : XXXX Mailing address : XXXX XXXX  XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2024-02-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (TX)

I am writing to address fraudulent accounts on my credit report, which I believe stem from inaccurate information resulting from fraudulent activity. I demand immediate action to rectify this error, as it tarnishes my financial reputation and integrity XXXX XXXX and XXXX XXXX.
Consumer complaint received 2023-06-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

So, I opened a credit line with Capital One for the sole purpose of transferring balances from other credit cards without interest for a set term. I submitted 3 transfers, and all were added to my Capital One balance. However, regarding 1 of these transfers ( {$2600.00} ), the payment was never received by the payee ( XXXX ). After disputing this charge with Capital One, and constant calls with Capital One and XXXX : XXXX still claims that they have never received the payment, and Capital One claims that XXXX has declared reception of this payment. Capital One refuses to show me proof of XXXX  claim, leading me to believe that XXXX has not received the payment. The balance transfer in question is worth {$2600.00}. 
Around XXXX XXXX, when I initially called to inquire on the transfer, a representative from Capital One claimed that the payment was sent by mail. Then, in around XX/XX/, a different representative from Capital One claimed that I entered the XXXX card number incorrectly, but, that I can cancel the transfer ; I requested that Capital One cancel said payment. 
Every time I called Capital One, I also called XXXX to confirm that no payment was received. 

I also have, on recording, representatives from both Capital One and XXXX on conference call with me. On this call, the XXXX representative tells the Capital One representative that the payment was not received. Yet Capital One still refuses to remove the charge.
Consumer complaint received 2021-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been the victim of identity theft I have accounts on my credit report that I have no knowledge of this is extremely frustrating I have contacted the bureaus and have not heard any response as of yet I need these accounts remove and a freeze placed on my credit file so nobody can use my credit without my permission I am desperate can not believe this has happen to me
Consumer complaint received 2021-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have been the victim of identity theft I have accounts on my credit report that I have no knowledge of this is extremely frustrating I have contacted the bureaus and have not heard any response as of yet I need these accounts remove and a freeze placed on my credit file so nobody can use my credit without my permission I am desperate can not believe this has happen to me
Consumer complaint received 2016-08-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

In Complaint # XXXX, Bank of America indicated that a lien release letter was mailed to me on XXXX XXXX, 2016. The letter was NOT mailed to me - as of this date it has not been received. I am starting a new complaint on this because the CFPB system indicates that my formal complaint was closed, even though I responded that to the company 's response that the lien release letter has not been received by me. My calls to the gentleman assigned to me by Bank of America to resolve complaint # XXXX has not returned my recent calls.
Consumer complaint received 2022-10-14
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. (FL)

Ask company to investigate account to make sure is everything 100 % accurate and correct according to FCRA. Company is still reporting inaccurate information harming my credit. 
Account name : XXXX Account number : ( experian ) XXXX XXXX XXXX XXXX XXXX Is this the same account? 

1, In XXXX, XXXX Experian reported ok ( paid ), but in XXXX XXXX  XXXX reported the date of XXXX delinquency. Which bureau is 100 % accurate? 

2. In XXXX XXXX Experian reported ok ( paid ), but in XXXXXXXX XXXX XXXX reported 30 days late. Which bureau XXXX % accurate? 

3. In XXXX XXXX XXXX XXXX XXXX Experian reported paid ( ok ), but XXXX reported in XXXXXXXX XXXX  was the last payment made. Which bureau is 100 % accurate?
Consumer complaint received 2021-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AL)

XX/XX/2021 Certified Affidavit Sent to XXXX XXXX XXXX XXXX XXXX and Demand for Removal XX/XX/2021 Requested Response Letter Sent to Bureau Follow Up on Demand for Removal XX/XX/2021 Final Follow Up and Response Requested and Demand for Removal XX/XX/2021 Legal Action Notification and Demand for Response My name is XXXX XXXX. I am speaking on behalf of myself and no one is speaking for me. I have contacted via certified mail Equifax and XXXX on XXXX separate occasions with no response or removal. This is a direct violation of 15 USC 1692 ( g ) Validation of Debts.
Consumer complaint received 2018-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MS)

I have been keeping a close eye on my credit report because I have been a victim of fraud. Experian is very aware of this information yet the do not seem to care or want to help me fix this issue. I have disputed my personal information on multiple occasions and it seems like they just keep adding it back or adding more wrong info to my credit file. This has happened so many times now that I am no longer able to dispute my personal information online and when I call the member service number they still do not want to help get my information correct. I want all personal information removed from my credit report other than my name - XXXX XXXX XXXX, my address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, and employer XXXX. There should be nothing else under my personal info at all. Please delete all other information & do not add it back. I have sent Experian letters, proof of my drivers license, my social security card, & my XXXX bill and they still insist on not deleting this wrong information. Delete " ALSO KNOWN AS '' and " PREVIOUS ADDRESS '' I have sent you proof that has been notarized. Abide by the law & remove all other information. I have also disputed a new inquiry found on my credit report that appeared on XX/XX/2018 from XXXX. This is an unauthorized inquiry. Please remove ASAP.
Consumer complaint received 2021-12-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Valon Technologies, Inc. (NJ)

I purchased home in XX/XX/2021 with XXXX. In XXXX I receive a letter that XXXX owns loan now but to continue with XXXX as mortgage servicer. I always pay my mortgage 2 weeks early on the XXXX of the month. Today I receive an email from a loan company I never heard Valon, or was given the heads up my loan was transferred. They say they aquired my loan XX/XX/XXXX and nobody informed me and I am late on payment and owe an additional {$21.00}. Not only have I paid XXXX 's mortgage but I paid XXXX 's too. Yet they are saying I still owe with a fee and late on XXXX. I am very upset and especially having not been forewarned. How do I know this is not even a scam? They better take off fee and have me credited up till XXXX. I do online banking and it shows both checks cashed and dates.