davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-17
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 (TX)

I opened an XXXX XXXX credit card in XXXX and also set up the auto-payment feature. It turns out Bank of America only charge me the minimum balance payment but not the full credit payment and as a result, I was charged credit interest since then. A lot of people have openly complained online about this problem. 

XXXX XXXX XXXX XXXX XXXX XXXX When I called the bank of America yesterday night ( XXXX ) to clarify this issue and told them this is the 1st time in my life to be charged for credit card interest, I requested them to refund full or partial of this interest. The bank of America representative blamed me to make the mistake and refused to refund any interest charged. 

It reminds me of a similar issue with the other credit card I have with the bank of America. At that time, the auto-pay setup somehow also only deduct the minimum balance but luckily I notice this situation and manually make the changes to prevent interest charge. 

All my credits card are set to pay the full balance automatically but only BOA has the issue and charged me interest. 

the bank of America seems intentional does this to earn greedy money and refuses to return this interest charge. I was charged 4 times so far and believed I will be charged another time for XXXX. 

Posted Date Reference Number Payee Address Amount XX/XX/2021 INTEREST CHARGED ON PURCHASES XXXX XX/XX/2021 INTEREST CHARGED ON PURCHASES XXXX XX/XX/2021 INTEREST CHARGED ON PURCHASES XXXX XX/XX/2021 INTEREST CHARGED ON PURCHASES XXXX On the other side, I am uploading my XXXX XXXX checking account screenshot from XXXX to XXXX to show that I always have enough fund to pay the full balance of this BOA XXXX XXXX credit card ( It's just around {$2000.00} but interest charge has accumulated to around {$200.00} charge ). It's their misleading/intentional setting that results in this interest charge. My other BOA credit card is set to pay in full and never involved in any interest charge. I should be compensated for this loss.
Consumer complaint received 2021-06-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc. (PA)

I received a notice in the mail on XX/XX/XXXX from Online Information Services indicating I owed XXXX to XXXX XXXX. I have locked my credit and created an ID theft notice as of XX/XX/XXXX due to the fact many utility accounts were opened in my name in Texas. I have reported at least 5 utility collections in the last 5 months. 

After calling Online Information Services to dispute they indicated I had to enter a complaint with the FTC and send it to XXXX along with a police report. They also indicated they could not provide me any proof of my dispute via mail, email, or a case number. However, they did indicate they would mark it as disputed. They also indicated only XXXX could resolve the collection.
Consumer complaint received 2021-06-18
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: WELLS FARGO & COMPANY (NJ)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-06-18
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: AMERICAN EXPRESS COMPANY (NJ)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-03-12
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: Experian Information Solutions Inc. (MN)

I never ever applied for any loan with Personify and I have a cyberstalker and many times I try to report him to FTC and he puts something so ex date, or other info doesnt show up and a week ago I got email about loan being turned down. Files are on a freeze and I never applied for one. So cyberstalker is in all devices and there are hidden wi fi in my house. Plus I know him from 5 yrs ago so he has hacked even medical and local police sent me to Mn Attorney General who got them paid. I am XXXX with little resources so if I could stop anything I would appreciate it. For more than two years I tried to get the error of my mortgage off my credit files I do have one and at least you helped me get the XXXX XXXX to let me assume the mortgage. However Experian says their info still stands - it is an error as the account number is incorrect and sorry for adding this but Experian is so difficult to deal with they refuse to listen to you
Consumer complaint received 2023-01-20
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. (FL)

When I investigated my credit report, I realized that some of the items was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (GA)

In XX/XX/XXXX, Santander offered their clients a 2-month forbearance due to the COVID-19 pandemic and stated the payment in forbearance would be added to the end of the loan. My salary had been decreased during the pandemic, so I decided to accept the help. Santander sent me the forbearance letter informing me that I did not have to make my XX/XX/XXXX and XX/XX/XXXX payments and informed me that the maturity date on my loan would change from XX/XX/XXXX, to XX/XX/XXXX. I didn't read the entire forbearance because I thought I was signing what they were offering me. However, after reading the document today, it appears to be an " extension '' agreement for customers who were late making payments and behind on their car payments. Neither applied to me because I HAVE NEVER BEEN LATE MAKING A PAYMENT NOR HAVE I EVER BEEN BEHIND ON MY PAYMENTS. In reviewing my transaction history, it appears that the first 2 payments that I made after the forbearance period, Santander applied 100 % of XX/XX/XXXX and XX/XX/XXXX payments to interest ; my account balance remained {$29000.00} for 5 months, from XX/XX/XXXX until XX/XX/XXXX. They also added a comment to my credit report for those months stating that " Affected by Natural Disaster '' for months XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. In the past, I question Santander about the interest they were taking from my monthly payments because it was never the same amount and seemed to more as the balance decreased. I would like to know what they meant by the comment they added to my credit report because XX/XX/XXXX and XX/XX/XXXX were the ONLY months - since I purchased the vehicle - that I did not make my monthly payment. In addition, under the Actual Payment section, they are reporting that I did not make my XX/XX/XXXX and XX/XX/XXXX payments. That information is not true - I paid my XX/XX/XXXX car payment on XX/XX/XXXX, and the XX/XX/XXXX payment on XX/XX/XXXX. On XX/XX/XXXX, I traded the XXXX for a XXXX and the XXXX dealership paid off the XXXX on XX/XX/XXXX. Santander reported the XXXX to the credit bureaus on the same day, but DID NOT report that the XXXX was paid in full with a XXXX balance ; therefore, they are reporting 2 high-balance car loans when it should only be one. All of their reporting affects my credit and credit scores. Lastly, I had a car loan with them for 2 years, before I purchased the XXXX, I was never late and never missed a payment, yet they charged me a ridiculously high-interest rate like I had never done business with them before.
Consumer complaint received 2024-04-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (FL)

My business wrote a check in the amount of {$XXXX} to an individual. Wells Fargo  cashed the check for {$XXXX} instead. I have a picture of the check and it is hand written to show XXXX XXXX XXXX XXXX dollars and XXXX. I have been waiting a week now to get my money back and Wells Fargo is not doing so. I called in several times, I asked for this to be escalated, and nothing seems to work. Wells Fargo  made an error, and they should fix the error at the time of realizing what they did! I would like this rectified immediately or I will be forced to take my business elsewhere.
Consumer complaint received 2022-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC (TX)

XXXX, XXXX XXXX and XXXX has told three different credit scores and told me to pay a membership fee to see my credit. Also had me send in my personal information to fix my credit
Consumer complaint received 2021-06-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (CA)

Midland Credit Management is reporting a more than 4 year old account that has never been validated, is past the statute of limitations, was charged off by the creditor and taken as profit and loss account by the original creditor. The original account was for XXXX XXXX XXXX. Midland Credit Management is employing unethical tactics such as re-aging the account. This should be shown as a charge off. They show monthly late payments over 90 days each and every month to make the account look currently late each month which is only an attempt to do the most harm to my credit. It is purposely inaccurate and is a misrepresentation ( XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX ). I have contacted Midland requesting validation, and informed them of their errors but they ignored my requests and my disputes. They made no attempt to validate, correct or stop during a dispute period. Instead they show on the report that they opened a collection XX/XX/XXXX and that it was last active XX/XX/XXXX with late payments made every single month since XX/XX/XXXX when no payments have ever been made. There actions violates several laws including but not limited to FCRA 15 U.S.C. 1681c, US Court of Appeals, XXXX XXXX, XXXX. XXXX, XXXX vs. XXXX XXXX, FCRA Section 623, FCRA Section 605 ( c ), FDCPA Section 809 ( b ), FTC opinion letter Cass from LeFevre, and FDCPA Section 806. FCRA Section XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX Case XXXX XXXX XXXX XX/XX/XXXX, Filed ( XXXX No. XXXX
Consumer complaint received 2020-03-18
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 REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS ON MY CREDIT THAT I HAVE NO KNOWLEDGE OF. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I AM IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. IT HAS BECAME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. AS A INNOCENT VICTIM OF IDENTITY THEFT, I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. PLEASE KEEP IN MIND THAT THE ACCOUNTS DOES NOT BELONG TO ME.
Consumer complaint received 2024-04-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collections Acquisition Company, Inc. (MI)

I found a collection on my credit report from a company that I have no idea who it is, the creditor is XXXX and it is in collections with Payliance. I have had my identity stolen in the past, so I think this another result of that. The original amount of the debt was {$200.00} and now it is up to {$230.00} according to what is on my credit report with XXXX XXXX. I contacted XXXX XXXX but they said I had to file a report with the FTC before they could do anything, so I am trying to get some help this has damaged my credit.
Consumer complaint received 2021-06-17
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. (GA)

I, XXXX  XXXX XXXX XXXX XXXX XXXX, received a copy of my credit report from Equifax. I called and made a dispute on XX/XX/2021. I explained to the rep that the willful neglect of Equifax in furnishing data without my consent is a violation of my rights pursuant to 15 USC 1681b. ( a ) ( 2 ). I also, explained that their negligence is impeding my ability to get a new car, home and the ability to take care of my family. I, as the original creditor, do not validate any of the alleged debt being furnished on my consumer report. I also, understand that the balances being advertised on my report are inaccurate because each account represents a consumer credit transaction in which a finance charge was involved. Pursuant to 15 USC 1605 a finance charge is the sum of all charges which makes these alleged balances fraudulent and inaccurate. I also explained to the rep that if this can not be taken care of in a timely and efficient manner then I will be forced to pursue legal action and invoice for each individual action pursuant to 15 USC 1681n. Furnishing these things are a violation of my consumer right to privacy. These consumer credit transactions shouldn't have been furnished to begin with pursuant to 15 USC 1681a. ( 2 ) ( A ) ( i ).
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation (VA)

Fortiva/XXXX  XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX Reporting account closed when the account is open and current and is being paid monthly ; they have failed to report any payments made this year. Therefore, this is inaccurate and must be removed according to 15 USC 1681.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

Transunion is reporting inaccurate information on XXXX XXXX XXXX Accounts # XXXX and Account # XXXX. Inaccurate information they are reporting are reporting open status when in fact they are closed and paid. They are also reporting inaccurate information on accounts balances. Transunion is in violation of FCRA. I have sent certified letters that served as a formal debt validation request. Transunion has continued in non-compliance ; the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance Fair Credit Reporting Act 623 ( a ) ( 3 ).

FCRA Section 609 ( a ) ( 1 ) ( a ) FCRA 611 ( a ) ( 7 )
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: NAVY FEDERAL CREDIT UNION (PA)

Navy Federal Credit Union is reporting negative information in a form of late payments to the consumer reporting agencies ( XXXX, XXXX, XXXX ) in reference to me as the consumer. Pursuant to 15 USC 1681s-2 ( a ) ( 7 ) ( E ), no federal law under the Fair Credit Reporting Act requires a financial institution to furnish negative information about a consumer to a consumer reporting agency. Furthermore, under the Federal Truth In Lending Act 15 USC 1666b ( a ) state that A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. As a financial institution, as defined under the Gramm Leach Bliley Act, Navy Federal Credit Union failed to perform their obligation to respect and protect my privacy. Navy Federal Credit Union failed to provide me an adequate opt out notice and Ive NEVER granted Navy Federal Credit Union any lawful consent to disclose my nonpublic personal information to any nonaffiliated third party pursuant to 12 CFR 1016.7. By willfully reporting negative information to the consumer reporting agencies WITHOUT MY CONSENT constitutes as a form of punishment to defame my character. Navy Federal Credit Union actions are identified under 18 USC 894 for knowingly participating in any way, or conspiring to do so, by using extortionate means to punish me as the consumer. Having expressed these federal violations Navy Federal Credit Union breaking under the Fair Credit Reporting Act, Truth in Lending Act and Gramm Leach Bliley Act, I am demanding Navy Federal Credit Union to CEASE AND DESIST these illegal actions. Pursuant to 12 CFR 1016.7 ( g ) Navy Federal Credit Union is required to comply with this opt out notice upon receipt and comply with the follow
Consumer complaint received 2020-03-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (NC)

I have a Sears Citibank Credit Card, and I made a purchase on a Promotional balance putting over {$2000.00} on my credit card in XXXX ; however, I requested a refund back on my credit card for the entire purchase from the merchant in the same month the purchase was made. The merchant refunded all of the money back to my credit card. I called Sears Credit Card and spoke with a man and he told me since the purchase was refunded, I should not incur interest charged because I was refunded the credit. He also stated that the promotional balance was only for purchases made, and mine was refunded. Now, in XX/XX/XXXX, I am unlawfully being charged " INTEREST CHARGE ON PURCHASES {$800.00} '' for purchase that was returned and refunded back to me.
Consumer complaint received 2021-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SS # ENDING IN XXXX
Consumer complaint received 2020-03-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (NY)

Hi Team, I have lodged two complaint on my Home Loan PMI, on two grounds 1 I called some time in last year asking to remove the PMI, they did not guide me right info, Later i found that If my property value appreicate and my Outsanding is less than 78 % i should not be charged PMI, Bank did not tell me this. 
2 With my current month i am reaching without Value appreciation to 80 % or less, I have asked bank to remove the PMI, they did not do that, They did not respond back to my Call or Ticket I raised in their portal and with call center. 
I spoke agent and Complaint logged by XXXX On XX/XX/2020 ticket reference XXXX Expecting call back.24/48 hours, Never got call back so far.
Consumer complaint received 2021-07-03
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: CarMax, Inc. (PA)

CarMax refuses to remove my late payments during my XXXX treatments for the months of XXXX, XXXX, XXXX, XXXX, XXXX of XXXX and the first month of Covid XX/XX/XXXX, after agreeing to remove those late payments. I have notified and disputed the information with all XXXX bureaus and their finds comeback " VERIFIED '' with no further information. I have exhausted myself attempting to have this matter taken care of and this is my last resort.