davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BMO Bank, N.A. (IN)

I opened a new checking account and use the promotion offer. I supposed to get {$300.00} after opening the account and two direct deposits of {$500.00}. After this I asked the bank multiple times why I am not getting the promotional amount. After research and multiple follow up calls, I was told that I didn't use a debit card. When I opened the account, I didn't get the debit card and the manager didn't mention to me anything about using debit card. This is clearly misleading advertisement and intentionally not disclosing all facts when I was opening the account.
Consumer complaint received 2018-11-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (IL)

I was a partner with XXXX XXXX XXXX in XXXX, IL from XX/XX/XXXX to XX/XX/XXXX. In my buyout agreement I was released from all financial obligations. I have had other financial institutions contact me about other XXXX XXXX XXXX loans but they released me immediately when I provided them a copy of my buyout agreement. Chase Bank is still trying to hold me liable for two loans, one ending in XX/XX/XXXX and one ending in XX/XX/XXXX. The total amount is {$340000.00}. Please see my attached buyout agreement and late payment notifications. I would like Chase to provide documentation of my release and an assurance that this will not affect my credit score. 

Please feel free to contact me with any questions. 

Thanks
Consumer complaint received 2020-12-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (MA)

Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately. 
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Consumer complaint received 2019-08-23
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. (SC)

THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.
Consumer complaint received 2018-11-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HSBC NORTH AMERICA HOLDINGS INC. (VA)

ISSUE : HSBC Bank refuses to pay promotional offer to Retired Military member because of military payment schedule FACTS : ISSUE : HSBC Bank refuses to pay promotional offer to Retired Military member because of military payment schedule FACTS : - In XX/XX/2018, HSBC offered up to {$600.00} for opening a HSBC Advance checking account by depositing and maintaining at least {$5000.00} in an HSBC account and initiating a recurring ( on a monthly cycle. ) direct deposit to the Advance account. The promotional payments would by calculated as 2 per cent of the direct deposit per month with a maximum of {$50.00} per month for 12 months. 
- In XX/XX/2018, I took advantage of the above offer and directed the U.S. Defense Finance and Accounting Service ( DFAS ) to redirect my monthly XXXX XXXX payments to the HSBC account. 
- No promotional payment was made for XX/XX/XXXX, XX/XX/XXXX, or XX/XX/XXXX. The explanation was that no direct deposit was made that month. Further, I was charged {$25.00} maintenance fees ( since reversed ) for two of those months. 
- DFAS frequently makes monthly Military Retiree payments a day or two before the first of the month resulting in some months with two payments and correspondingly, some with none. 

ACTIONS TAKEN : - Summer and ongoing. Ive tried working with XXXX, Va branch. They could reverse the maintenance fees, but could not fix the payment issue. 
- I wrote the President and CEO of HSBC, NA on XX/XX/XXXX laying out the issue with no response until I again asked the local branch to prompt action. 
- On XX/XX/XXXX, I received a generic acknowledgement of my concerns from the HSBC Manager of Customer Relations in XXXX, NY. 
- After immediately thanking them, I asked for a status report on XX/XX/XXXX, nothing heard as of XX/XX/XXXX. 
- I again asked ( via email ) the manager of the XXXX branch on XX/XX/XXXX for a status report, again nothing heard. 
- On XX/XX/XXXX, I called the Customer Relations Manager in XXXX and left a message. Nothing heard since.
Consumer complaint received 2021-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Company Sent me a letter saying that they were closing my account do to irregular authorized user activity, When I have personally made them aware that I was adding Authorized users in efforts to educate. So the users were authorized. I have called a couple times and they refuse to help reopen my account. The Company is Bank of America. I have called multiple times and made them aware prior to submitting a CFPB complaint. All times that I have called, they have hung up on me during the transfer period. 

If necessary I may provide recordings of my attempts at speaking to Bank of America representatives to prove non-compliance
Consumer complaint received 2019-08-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: New Hampshire Northeast Credit Services, Inc. (NH)

Talked to 2 incredibly rude people today with NH/NE credit services. I was told they could not prove the original debt took place. Told me that I had to prove I did not have a medical procedure done or not.
Consumer complaint received 2019-08-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (IL)

I have been approved for a trial loan modification since XX/XX/2019 on my deceased brothers property that I am the owner of. 

I have made ALL of my monthly payments. I have to date STILL NOT RECEIVED my permanent loan modification. 

They said they mailed it in XX/XX/XXXX. I never received it. I called TWICE in XX/XX/XXXX. They said they would email me the paperwork, which both times NEVER came. They said they would XXXX XXXX the paperwork, it also NEVER came. 

Because of this, I still have NO PERMANENT MODIFICATION PAPERWORK. I am not going to continue calling them, because they promise, and fail to send the paperwork. Please help me get my permanent modification.
Consumer complaint received 2018-04-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NC)

My original creditors sent my collections off to another agency, in which I did not submit a contract with the collection agencies. I have 2 derogatory marks on my credit report from two collection agencies. The first company is named XXXX XXXX XXXX XXXX. This company charged {$580.00} on my account. This account was open XX/XX/XXXX, and the original creditor is XXXX XXXX XXXX XXXX XXXX. The second company is XXXX XXXX XXXX. They charged an additional {$700.00} on my account. The account was open XX/XX/XXXX. The original creditor for that account is XXXX XXXX XXXX.
Consumer complaint received 2023-04-07
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: Experian Information Solutions Inc. (CA)

On XXXX, I submitted a request to block accounts on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the 2015 OPM data breach as well as Equifax 's 2017 data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-05-20
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP (OR)

This complaint is about a loan US Bank took out in my name without my knowledge or permission. CFPB sent my complaint back XXXX. How do you allow US Bank to control the narrative? I am submitting this NEW complaint because I just got a NEW fee assessed by my creditors who continue getting payments on my behalf but then payments are reversed since US Bank is FORCING ME to keep an opened account. I dont have XXXX to reprimand US Bank via attorney for forcing my credit score to drop. How does US Bank get away with this illegal activity and still to this day continues to assess fees on a loan I never took out? This complaint is about a loan US Bank took out in my name without my knowledge or permission. How does this bank assault me like this with absolutely zero consequences? Ok US Bank you win. I accept that my golden credit score of XXXX will never be again because you have decided to capture me and force me to become a deadbeat who overdraws their bank account and doesnt do a thing about it. Hello XXXX XXXX  score. US Bank you win! I have surrendered. I accept that you will never close that account and my credit score has been permanently damaged. I accept it US Bank good job!!! ( Ive uploaded proof of continuous activity coming from a bank account I closed on XX/XX/24. XXXX being held prisoner HELP me ).
Consumer complaint received 2018-11-18
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. (NC)

I received an alert from Experian on XX/XX/XXXX decreasing my score and my credit rating. There were no new inquiries or information stating why. Can not speak to a live representative with Experian.
Consumer complaint received 2019-08-23
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (NC)

XXXX XXXX has violated HIPAA by sharing my person PHI to I. C Systems INC claiming that I owe amounts of {$1100.00}, {$1700.00}, and XXXX. I.C Systems has refused to remove these accounts from my credit report and have also refused to provide documentation supporting that these claims are mine. My credit score is now ruined due to this.
Consumer complaint received 2018-04-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Bureau of Fort Walton Beach, Inc (FL)

On XX/XX/XXXX, I sent a letter to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX asking that pursuant to the FCRA & the FDCPA, they validiate this debt. According to the FAIR CREDIT REPORTING ACT Section 609 Disclosures to consumers ( a ) ( 1 ) ( A ), this company is required by Federal Law to verify through the PHYSICAL VERIFICATION of the ORIGINAL SIGNED CERTIFIED CONSUMER CONTRACT of any and all accounts you request to be posted and or reported on a credit report. They responded with the letter I have attached below which they are intentionally not complying and requiring notarization means undue hardship since one typically has to pay for a notary and that is a violation of FEDERAL law.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (MS)

I am very upset that Experian continues to not fix the issues with my login and I am unable to access my credit reports and files. Experian has not contacted about the matter and it is over the time limit for this matter. I will seek litigation if the matter continues. I have exhausted all means to fix the issue regarding my reports and files. I retain all rights per FCRA and Title United States Codes to access my credit reports and files.
Consumer complaint received 2018-10-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX recently came into my credit report at all three bureaus. This states from 2015. I have reported this SEVWRAL times as it is completely inaccurate. 

I am looking for TRUE validation yet o Provides with nothing. It simply says no changes. This account was placed on my account 5 years later and they have not validated this debt with more than an address, etc. 

2. This account is listed as in collections it is still Reporting late monthly payment. As of now this account has 36 monthly payments but the account went into collections 36 months ago.

3. The current payment account status is 120 Days Late but the account is Listed as closed.

4. I NEVER EVER received notice of this debt. It simply popped up in my Credit Report. I specifically asked multiple times for this information and never received.

5. Its ahowing as Voluntary Repossession and I NEVER EVER EVER EVER DID THIS and I requested prood of this and never rcvd. 

These companies should not be free to Put inaacurayw information on your credit Report with basically no power to remove. They keep saying it is verified and that is impossible. Because its completely inaccurate.
Consumer complaint received 2021-12-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

My credit score has suffered significant damage due to an error made by Bank of America. 


I called Bank of America in XX/XX/2021 to close all of my accounts with them. The representative I spoke with told me everything would be closed and my accounts would no longer exist. 


Over the next few months, I received scattered emails from Bank of America about my account statements, saying I had a balance of " {$0.00} '' or things to that effect. Since my conversation with the Bank of America XXXX representative had reassured me that my accounts were closed, I interpreted these emails as confirmation that the account closure was complete and that I'd fall out of their automated messaging system shortly. 


In XX/XX/2021, I received a letter from Bank of America 's collections department telling me that I owed them {$170.00}. A call to their collections department revealed the actual balance was on the credit card account which I was told had been closed, and amounted to {$210.00} ( from a balance of {$100.00}, with {$100.00} in fees and interest ). 


I was shocked to find this out- for 9 months, I had thought my accounts had been closed. I explained this to a Bank of America representative at the Collections department, who connected me to someone from the Fraud department, who in turn stated that she would close my account and start an investigation into whether the charges are fraudulent. 


A few days later, I was notified by my new bank that my credit score had dropped into the 650s ( previously it had been over 800 ). The reason for this drop was a new " serious delinquency. '' The timing for all of this could not be worse as my family is in the process of moving and I will need to apply for a new mortgage soon. 


Regardless of where they originated from, these charges and the subsequent damage to my credit score are the result of an error made by Bank of America.
Consumer complaint received 2021-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SYNCHRONY FINANCIAL (CA)

The complaint is with Amazon store card, Synchony Bank. I reported that somebody has charged over {$500.00} on my card. They started an investagation and cancaled the card. Then they sent me another one. This was 2 months ago they said that I wasn't responsable for the charges. Then over 60 days later they sent me an overdue bill for {$350.00} so I called them and said that you didnt finish the fraud charges and I recieved overdue another bill. I did not make the charges.They need to find out who did it and stop hounding me for it. I did not make the Amazon charges.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (VA)

. I have been in disputes with Nelnet and XXXX Credit Bureau since XX/XX/2023. Nelnet is still reporting that I owe them for student loans when in fact my accounts were transferred to XXXX. XXXX has disregarded my request to investigate this issue. My credit report is currently stating I owe the exact amounts to both, Nelnet XXXX XXXX, for student loans. Ive contacted Nelnet numerous times and they claim they would update the information. Nelnet has acknowledged that I do not owe them any funds as my accounts was transferred to XXXX. My credit has been drastically affected from this process.
Consumer complaint received 2019-08-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (IL)

A company called XXXX XXXX XXXX has placed a past do notice on my credit report of {$700.00}. I have no knowledge of this dept or the company itself. Its connected to a a company called XXXX. I have contacted Experian and XXXX to have this removed and both are saying that the dept has been verified as accurate. I'm completely confused on how this could be true. I know nothing of either of these companies nor have i ever received any kind of notice thru the mail from either if them. Experian shows on my personal info that there is a name on my " also known as '' section. This is not accurate. I've only ever used my given name my whole life. I feel they are trying to use me as a scape goat for this other person. I have lived at the same address for the past 10yrs and have all the same accounts i currently have had this whole time, including all utilities, phone, internet and XXXX. I don't understand how they can verify something that never existed.
Consumer complaint received 2019-08-23
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Was approved for a loan, but didn't receive money — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (FL)

The institution sent me a fraudulent letter ; in it they said I was pre-approved for a loan of up to {$8000.00} ; however after completing the application I was told I did not qualify for any amount. The problem is that I had to authorized them running my credit check, which deducts points. I always believed pre-approved meant already approved. I wouldn't have even applied if I were not pre-approved ; I was hopeful this loan would help better my credit not lower it. False advertising from part of a financial institution is a fraud and deceit of the worst kind ; because the damage to our credit is already done and all they say is sorry, you are not approved.
Consumer complaint received 2018-10-10
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (PA)

I have been in different periods of administrative forbearance since XXXX of 2018 and transferred to XXXX XXXX in XXXX. Despite this, XXXX reported me as delinquent. They are easily able to see that I am NOT delinquent - nor have I ever been. However, they are yet to reconcile this issue with the credit reporting companies. I am unable to get a BADLY needed loan because of this.
Consumer complaint received 2018-04-07
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL (WI)

I asked who and why they are calling my XXXX XXXX XXXX mother 's phone number all day and night. They also call my cell phone number all day and night. Sometimes the numbers are private numbers. I've told them to stop calling twice now. I've asked them why they are repeatedly calling us. 

I received a " XXXX XXXX '' for animals a few months ago. I made one payment, and have been harassed by them ever since.
Consumer complaint received 2018-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MD)

Contacted Nissan, shows my account was delinquent in XXXX of 2018. I was not delinquent in XXXX. They need to make the necessary adjustments on the credit report
Consumer complaint received 2018-04-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

Back in 2007 i was out of work and behind on my payments. Wells Fargo put into the HAMP program, but in the process they over charged me for my loan. They took all my payments and put in on the back end for a 40 year mortgage. My loan amount went up way much higher than is should of. It went from XXXX to XXXX XXXX. At the time they made it sound that the amount correct, because it included back payments and back years of property taxes. Upon further review years later. It turns out that I was WAY over charged. I've tried numerous times to get help from Wells Fargo, but they told me they can not help.