davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I recently pulled my annual credit report to review after applying for new products issued by my bank. 

I discovered that my credit was pulled XXXX different times on XX/XX/2023, which resulted in XXXX hard inquiries showing on my report. 

To the best of my knowledge, there was never meant to be that a hard pull taken place while i was exploring the products. I was concerned to learn my report is showing my credit was pulled without my consent. The companies are listed in XXXX as XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, and in XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank of America XXXX XXXX  ). They pulled my score under false pretenses using deceptive practices, which is a violation of my rights, as outlined in title 15 of the US Code, chapter XXXX, subchapter v, XXXX.
Consumer complaint received 2022-02-11
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. (CA)

These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2019-09-19
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Exeter Finance, LLC. (AL)

On XX/XX/XXXX and XX/XX/XXXX my credit was fraudulently ran without my permission or consent. I have been a victim of fraud and Identity Theft. On XX/XX/XXXX I signed up for XXXX XXXX   because I have received several letters for credit that I had no knowledge of and to have a better understanding I needed to know what was reporting on my credit file. I immediately called the company phone number listed on the correspondence only to be transferred to and from numerous departments being left on hold and then the phone being disconnected but promised a transfer to someone who I can report this fraud. I am desperately seeking someone to help me with this matter because its obvious they will continue to ping pong with me because it isnt them and they probably could care less because the fraud is not happening to them and its not fair.
Consumer complaint received 2019-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP (TX)

This is a complaint for actions in violation of FTC Section 5, specifically as it related to unfair or deceptive acts or practices in or affecting commerce. '' It further violates The Dodd-Frank Wall Street Reform and Consumer Protection Act with " abusive '' acts designed to takes unreasonable advantage of the consumers inability to protect his or her own interests when selecting or using a financial product or service. 

US Bank closed my account ( ending in XXXX ) for their stated reason of believing that I fell victim to a credit card scam. After a phone call to them to inform them that that was assuredly not the case, they seemingly weren't interested that I wasn't actually the victim of a scam and kept the account closed. It is therefore my belief that US Bank closed my account for some other stated reason that had nothing to do with the safety of my account - the information they provided me was misleading. 

In addition to the closing of the account in concern ( ending in XXXX ), they also closed my account ending in XXXX. 

While US Bank has the prerogative to close my account, in the process of closing the account, they refused to return the {$400.00} annual fee on account ending in XXXX ( which had been paid just 60 days previous ), the {$49.00} annual fee on the account ending in XXXX, and confiscated more than {$2000.00} in reward points across both accounts. They do not own the prerogative to confiscate money paid to them for services not rendered, nor do they own the prerogative to confiscate promised rewards which were obtained at cost to the consumer and which profited the bank. 

It's evident that US Bank baited me with a premium product and then inexplicably closed my account, taking my money and points without recourse or compensation. They were the beneficiaries of having an additional cardholder, receiving money in the form of an annual fee, credit card processing fees, and confiscation of rewards, while not providing any of the benefits promised to me. 

At best this is a case of mistaken conclusions, handled poorly by a lending analyst. At worst, this is a case of blatant disregard of the laws contained in the Federal Trade Commission Act and the Dodd-Frank Wall Street Reform and Consumer Protection Act.
Consumer complaint received 2019-05-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (TX)

Diversified Consultants Inc. contacted me via phone about a debt owed to XXXX XXXX XXXX. After repeatedly requesting them to verify the debt as the account in contention was opened in error on the behalf of XXXX XXXX XXXX, they refused. I submitted an online dispute for both companies and received the below response from XXXX XXXX XXXX. DCI simply responded back stating the debt was valid even though the original debtor states that it was not. This error on both of their parts has resulted in a 80+ point reduction in my credit score and I am unable to resolve with the DCI through normal means. 

I called in back in XXXX of XXXX to add a line for my son and get him a new XXXX. At the time I was offered a promotional deal where we could buy one XXXX XXXX XXXX and get one for free ( on the same call ). The agent processed the order after I repeatedly inquired whether or not I was eligible for this promotion or not. Within a few days I received the phones and called again since the number on the box was not my own. I was told that that was a mix up and that I could simply use my existing SIM card and should be good-to-go. 
After a month or so, I received a letter stating that I needed to pay my XXXX XXXX XXXX bill for a phone number that I was unfamiliar with. I disregarded until I received a second bill stating that I owed for the entirety of the balance for the phones. I called Customer care again and explained the situation and was informed that the issue was resolved. I even received a letter stating the account had been closed. 
After another couple of months I began getting calls from a company called Diversified Consultants Inc. claiming they were working on your companys behalf to collect a debt. I again, called Customer care and was told the account was cancelled and that it would update on their end in the near future. 
The week of XX/XX/XXXX I received numerous phone calls from DCI and after repeated attempts to get them to re-verify the debt, a derogatory remark was placed on my credit causing a 80+ point drop. I attempted to call DCI to no avail and have yet to be able to get in touch with anyone to rectify the situation Below is the email from the Office of the President at XXXX XXXX XXXX stating they have corrected the error. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX <XXXX> wrote : Subject : XXXX XXXX XXXX Case XXXX To : XXXX Hi Mr. XXXX, I have removed the account from being written off with an OCA and also adjusted the balance owed on the account. I am still working to rebuild the installment plan on your line.Thanks again for your time and have wonderful week. 

Thank you, XXXX XXXX Office of the President XXXX XXXX XXXX XXXX , XXXX. 
o XXXX ext. | XXXX XXXX
Consumer complaint received 2019-10-04
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (TX)

I am attaching previously agreed and signed documentation from standing in front of the presiding judge on XX/XX/XXXX, XXXX For settlement due of {$1300.00}, of 45 monthly payments of XXXX 

Then the following documents from XX/XX/XXXX, is whenever our signed agreement was ripped right out from underneath me by a Motion and Order to Set Aside Judgment without any warning. It states that I was served via First Class Mail to address XXXX XXXX XXXX, XXXX TX XXXX - when in fact I NEVER received those documents/were served, nor was I living there - I had moved from that address to another a year + prior to us had even settling on XX/XX/XXXX, XXXX Such happenings, I was never properly served, and there is no proof/signature ( by me ) proving that I was served the documents before the Motion and Order to Set Aside Judgment was submitted on XX/XX/XXXX then was granted on XX/XX/XXXX. There was no trial called, the only trial I was informed of was for XX/XX/XXXX XXXX which I had attended, due to us agreeing and signing in front of the judge ). 

Now, TWO years later, it is now sent off to another debt collector, XXXX XXXX , XXXX is calling attempting to collect the debt, however, they are giving me time in order to submit my complaints and attempt to dispute the amounts CACH LLC is trying to recover from me.
Consumer complaint received 2019-10-04
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: HSBC NORTH AMERICA HOLDINGS INC. (OR)

I work for ID Experts, an identity theft protection and repair service, and we are serving as Power of attorney for XXXX XXXX. 

I have sent disputes to HSBC on XX/XX/2019 and on XX/XX/2019 by mail to two different addresses. The disputes included all necessary documents. Power of attorney, FTC ID theft affidavit, copies of drivers license, social security card, proof of address, and police report. 

I have sent the same items to XXXX on XX/XX/2019 and XX/XX/2019, both times I was very specific in requesting the deletion of the HSBC account and inquiry as it is a result of identity theft. 

As of XX/XX/2019 the account remains on the XXXX credit report. 

This is a regularly occurring issue and both HSBC and XXXX are regular violators.

In addition to this, when trying to call HSBC, I waited on hold for their fraud department for 89.8 minutes. I finally gave up and called their main customer service number and waited for an additional 43.5 minutes. The fax machine that was listed on their website does not go to a fax machine at all, it was a recorded greeting for HSBC so it is apparently a voice line. This number has since been removed from their website.
Consumer complaint received 2019-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: JPMORGAN CHASE & CO. (CA)

My BK is over 10 years old. I asked chase to remove the BK from my mmortgage statement. It embarrases me and i cant submit for a second loan. They refused
Consumer complaint received 2024-03-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY (NJ)

Violations of United States Code Laws and Consumer Laws 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy : XXXX is reporting fraudulent accounts which is an infringement of my privacy. Congress said I have the right decide what I deem private. I deem this account information to be private and I DO NOT WANT THE BELOW ACCOUNT INFORMATION SHARED ON MY CREDIT REPORT. 

AMERICAN EXPRESS - acct # XXXX & XXXX 15 U.S. Code 6802 ( b ) 1 ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information : DID NOT disclose to me that I had the right to OPT OUT of this information being shared. This was very deceptive and never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of. I never gave you any written consent to report anything on my consumer report no consent is identity theft
Consumer complaint received 2019-04-10
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I am attaching a copy of the letter that my husband and I sent to the credit bureaus on XX/XX/XXXX. They were supposed to respond with the results within 30 days, but they have not.
Consumer complaint received 2019-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (MN)

Upon starting the audit of my personal credit reports, I found multiple inaccuracies from SYNCB Walmart and SYNCB XXXX. The inaccuracies range from incorrect balance reporting, credit utilization, payment history, last activity of the account ( s ), and date of closure. I've been constantly harassed by XXXX XXXX XXXX for quite some time. Apparently, they've sold these accounts to this third party, but the original creditor is constantly reporting negative and blatant inaccuracies. I've even been attempted to be served with court documentations from this third party collection agency. I've asked for documentation of this alleged debt via certified mail, and I was provided with frivolous documents. I now have a pending judgement against me in the local courts with completely false information. I plan to sue in small claims court if not mediated via Consumer Financial Protection Bureau.
Consumer complaint received 2022-11-05
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. (IL)

Please remove all derogatory accounts XXXX stra Height financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LD Holdings Group, LLC (CA)

LoanDepot has inaccurately reported my having paid my home loan late. 
I would like to get Loan Depot or the appropriate entity to correct this reporting with my credit agencies. 

As background, I refinanced my home loan through Loan Depot in XX/XX/2020. In more than a decade prior to refinancing, I had never been late for a loan payment. 

With the refinancing, I set up an automatic electronic transfer from my bank account to loan depot for payment every month. At first, this worked seamlessly. 

In XXXX, I was notified that my XXXX and XXXX payments were overdue. I contacted my bank, which indicated that the payments were made on time -- one on XX/XX/XXXX and the second on XX/XX/XXXX. Nonetheless, on XX/XX/XXXX, I made another payment for the amount of both months combined to ensure they were paid. 

Later in XXXX, Loan Depot again notified me about the two overdue payments -- for XXXX and XXXX. I again called my bank, which indicated that the payments ( the first two and again the follow-up third ) were made. I contacted Loan Depot, which indicated that the money may have been returned to me. 

I then made the payments with a written check, rather than by electronic transfer. 

Attached are letters from my bank, XXXX, indicating that the payments were made to Loan Depot in a timely fashion prior to XXXX and XXXX, and then again the third payment to pay an additional time, all by electronic transfer. 

I'd like to get my credit report cleared up. I understand that I've been reported to credit agencies as having made delinquent payments. Can you please remove this credit complaint from my records at Loan Depot and with the credit agencies. 

Please have someone contact me to discuss and let me know if you need any further information.
Consumer complaint received 2023-03-29
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)

In XX/XX/2022, I sent two checks from two separate XXXXXXXX XXXX accounts by mail to a family member. These checks were stolen somewhere in the transit process, and were deposited into the same bank account at Bank of America in late XX/XX/2022. The checks were not endorsed, and were deposited into an account with a completely different name than on the check. Bank of America proceeded to accept these checks under gross negligence. The checks were for {$2300.00} and {$1700.00}. I've attached copies of both from my bank. 

I contacted my bank, XXXX, and filed a dispute in late XX/XX/2022. Bank of America has not responded to my follow ups or my bank 's follow ups. It's been over 60 days now, which is the point that banks are required to respond and refund these stolen checks. It's now been 120 days since these checks were stolen from me and Bank of America has refused to respond and/or help. This is a significant amount of money for me that has been stolen, and Bank of America is refusing to correct their gross negligence act within the time period required by consumer protection laws.
Consumer complaint received 2019-10-04
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (CA)

In XX/XX/XXXX I graduated with a XXXX  from the XXXX XXXX XXXX XXXX. 
In the four years I was there, I borrowed {$16000.00}. 
I worked for 8 years and started paying back my loans in XX/XX/XXXX when I finally got a full time job at my XXXX. 
In XX/XX/XXXX, I was advised to consolidate my loans. They were consolidated for {$20000.00}.

I was in repayment from XX/XX/XXXX-XX/XX/XXXX before I entered XXXX school. 
During my time in XXXX school ( XXXX  XXXX University ), I took out another {$11000.00} in loans. 
Total I borrowed from XXXX and XXXX school : {$27000.00} In XX/XX/XXXX I started a series of forbearance and deferrals due to my economic situation : starting my own business with no money in XXXX XXXX. 
In XX/XX/XXXX, I defaulted and was forced into consolidation. 
The {$11000.00} was consolidated for {$25000.00} due to interest gained. 
This time when I consolidated, my interest rate went from about 3.5 to 6.25, nearly 200 %. 
After 7 years of struggling, I defaulted on my student loans for a second time for not filling out the right paperwork. I was told to consolidate them again. 
In XX/XX/XXXX, I consolidated all my loans, and somehow {$46000.00} of consolidated loans turned into {$85000.00}. 
Now, Im not sure what happened but they went up to around {$90000.00} when we started paying them in XX/XX/XXXX, and currently I still owe {$88.00}, XXXX In addition, I was never told of the Income Based Repayment option. Not once was I given the right advice. They do this on purpose to rack up as much debt as possible so they make as much money as possible. They should be sued for predatory lending.
Consumer complaint received 2018-01-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

I was told by two representatives that the late fees would be fixed but then today I spoke to a manager and she told me the first late fee will not be fixed. I was charged a late fee for the month of XX/XX/XXXX. I paid the fee early in XX/XX/XXXX on XX/XX/XXXX. They took the payment as an additional payment and did not apply it to the next month because I paid the payment ahead. I was not aware of this when I made the payment. 
When I spoke to the manager they may have also been confused because I had also been told by representatives other reasons for the late fees. She did tell me they would only fix one. I will never pay Citibank early on my account now.
Consumer complaint received 2019-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

My information was compromised via data breech. Someone got a hold of my information and tried to apply for an auto Loan. Car loan and credit cards. These inquiries are due to Fraud. I have spoke to XXXX Equifax and XXXX  about this issue but they refuse to fix it. I should not be held liable for identity thief information. I am seeking your assistance in having the credit bureaus remove these information. 
XXXX XXXX Ran XX/XX/2018 XXXX/XXXX Ran XX/XX/2018 XXXX XXXX XXXX Ran XX/XX/2018 XXXX XXXX Ran XX/XX/2018 XXXX Ran XX/XX/2018 2018
Consumer complaint received 2019-10-04
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Professional Debt Mediation, Inc. (TN)

I have had the worst experience with one of the reps with this company. He has used intimidation and interrupted me while I was trying to talk ( on numerous occasions ; very rude and condescending ), and has also suggested that if I dont keep my payment plan that it would negatively effect my credit reporting. There has been miscommunication from various reps in regards to my account. Information was not relayed properly resulting in confusion. I was told by the rep that I called a lot in regards to my account and to just let the auto payments take their course when calling in reference to cancelling automatic payments. Anytime I wanted to call to adjust payments or ask questions in regards to my account I would get improper information and an aggressive tone.
Consumer complaint received 2019-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO. (IA)

On XX/XX/18 I requested 3 balance transfers from my new Chase account.

2 of them were posted and paid to my other accounts. 1 has been charged to my Chase account, but has not been posted to my other credit card.

I took screenshots and right up to the point you click 'transfer money ' there is no indication this would be lengthy process or how long it takes.

As of 5 business days later I'm told it can be 21 days before my bank receives the payment and 30 days before Chase will do anything about it. Then they will issue another check that can take 21 days before my bank gets it. So, I'm on the hook for thousands of Dollars while Chase has me charged for it for close to months.

The state they can issue a stop payment for the check, but will not do it. This conversation was on a line that Chase states is recorded.

I was on the phone for an hour repeatedly asking as polite as possible, " I am asking you to issue the stop payment now ''.

They state, " we are unable to do that ''.

My response, " You just told me in 30 days you will issue a stop payment '' They state, " In 30 days, we will issue stop payment and issue a new check and you will have to wait 21 days for processing '' BIG QUESTION : What happens if they don't get it the second time? Clearly at some point they CAN issue a stop payment - they are refusing to do so.

CONCLUSION : They screenshots do not state any timeframe for length of time. Therefore, one would conclude that industry standard for transfer would occur. 21 to 30+21 more days is definitely not industry standards. This seems like a loophole to have consumers charged large amounts of money before balance transfer/payments are made.