davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

A credit card was open fraudulently with Bank of America and {$940.00}. was charged to the account. I immediately reported the incident and Bank of America. The bank stated that they would send a letter but, to date I have not received this letter. I also placed a freeze and fraud alert on my credit profile. 

Bank of America has failed to take appropriate actions to prevent and/or follow-up on this act of fraud.
Consumer complaint received 2022-01-23
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. (TX)

My credit score on XX/XX/2022 was XXXX. 
My credit score currently has been dropped by XXXX points to XXXX. 
Nothing material has changed on my credit report to cause this action. 
For example, due to COVID-19, all loans in forbearance, deferred to the end of the loan upon exiting forbearance, resuming regular payments, with all payments continuing to be current, under the CARES act should not cause this action as informed to me by the banks. 
I have asked the company to restore my credit score back to XXXX. 
This is yet to be done.
Consumer complaint received 2022-02-19
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. (GA)

I have sent 1 or 2 certified letters to Transunion requesting old information ( incorrect name listing, old addresses, old employers, phone numbers, etc ) be removed from my credit report. I have also spoken with representatives over the phone regarding the same issue. My report has not been updated. They ignore my request and send me a letter with a requested copy of my credit report ( which was NOT requested ) with the same old information listed.
Consumer complaint received 2022-01-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (WI)

I graduated college in 2010 and my loans were transferred to XXXX from XXXX XXXX, my payments have never been consistently applied to principal and interest, multiple payments have gone only to interest and some payments only {$0.00} went to principal.
Consumer complaint received 2022-01-23
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. (OH)

XXXX XXXX placed a collection on report XX/XX/21. I have mailed and uploaded verification to Transunion that this account was paid in full prior to XXXX sending the incorrect information to XXXX and XXXX for collection. After XXXX and XXXX investigated this, they agreed to remove the account. Transunion has not taken this account off my credit report. I've shown the payment, my credit card statements, as well as my cfpb complaint stating they will withdraw this from my credit report. My other credit reports were updated and removed the account. Transunion will not allow me to submit a dispute on their website any longer so I went through a 3rd party and it still hasn't been updated.
Consumer complaint received 2022-01-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I, XXXX XXXX, checked my credit report and noticed some fraudulent and inaccurate accounts and inquiries on my credit report. I reached out to the credit bureaus to remedy the situation but they would not help me to remove these fraudulent accounts.
Consumer complaint received 2022-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I paid the XXXX XXXX XXXX ending in XXXX to a XXXX balance in XX/XX/2021. Transunion keeps showing an amount of {$5000.00} still used/available on the credit report. this is negatively impacting my credit score ( lowering it ) by a significate points. I have contacted Transunion several times to correct this error, it will be fixed for a few days then go back to show {$5000.00}. I have also contacted XXXX XXXX visa about this, they said the balance on the account is XXXX.
Consumer complaint received 2015-09-24
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Northeast Recovery Solutions, LLC (MD)

I continue to get calls at my home from a company trying to collect a debt from a family member who does not live with me and has never lived in this home. The calls are made at least two times a day. They are either from a live person or a recording. I have asked them not to call anymore and that I can not help them.
Consumer complaint received 2022-07-07
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Corp Solutions Inc. (OR)

I received a collection email from XXXX saying I owed {$25.00} on an old XXXX account. The email said " Unless you notify this office within 30 days after receiving this notice that you dispute the validity of this debt, or any portion thereof, this office will assume this debt is valid. If you notify this office in writing within 30 days from receiving this notice that you dispute the validity of this debt or any portion thereof, this office will obtain verification of the debt or obtain a copy of a judgment and mail you a copy of such judgment or verification. '' I replied to the provided contact email and indicated I disputed the validity and wanted documentation. I do not remember this supposed debt, and the payment website required the type of info scammers typically want ( social security numbers and other sensitive personal data ). They never replied to my email or provided documentation. Months later, I received an unsettling phone call from this same company demanding payment for this debt. When I informed them that they had failed to provide documentation as required by regulation and that the call was illegal, the debt collector insisted on continuing the call.
Consumer complaint received 2022-07-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Action Revenue Recovery, LLC (LA)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, XXXX XXXX and FTC
Consumer complaint received 2022-04-08
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. (DE)

in accordance with the Fair credit reporting act XXXX account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX phone number XXXX XXXX has violated my rights..15 U.S.C . 1681 section 602A. states i have the right to privacy. 15 U.S.C 1681 section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions .Another issue no monthly payment should be listed on the account since it has been charged off, which is a violation please remove from my credit report.
Consumer complaint received 2022-04-08
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: EQUIFAX, INC. (DE)

in accordance with the Fair credit reporting act XXXX  account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX phone number XXXX XXXX has violated my rights..15 U.S.C . 1681 section 602A. states i have the right to privacy. 15 U.S.C 1681 section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions .Another issue no monthly payment should be listed on the account since it has been charged off, which is a violation please remove from my credit report.
Consumer complaint received 2022-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (UT)

I am filing a complaint on American Express ( AE ) Credit card company. 
In AE mobile App pay system, the payment status are two steps. Right after you make a payment, the status is " Processing ''. Later, in about 48 hours, the status is " Thank you ''. The second step shown to our consumers mean that the payment is done. 
This mobile App pay system give scams or cons a big opportunity and success to trick and victim people. 
I was recently, last XXXX, tricked by a scam using such system. I was offered a " purchasing agent '' job. In this offer, there was two-week trial during which I needed to use a credit card to purchase XXXX products. The cons gave me their bank account for me to do the mobile pay. I did a purchases of {$9300.00} of XXXX products on XXXX XXXX, XXXX by my AE credit card and used a bank account provided by the cons using AE mobile App pay system for the payment. The transition went through and the status is " Thank you ''. I sent the XXXX products out to the cons. 
On XXXX XXXX of XXXX, I saw on AE mobile App system the payment of {$9300.00} has been returned. I called AE., they told me that I was not authorized by the bank and the amount due day is XXXX XXXX. 
To get a peace of mind, once I learnt the payment was returned and the due day was XXXX XXXX, I paid it on XXXX XXXX using my own bank account. But AE returned my payment saying that the bank account was not correct ( it's impossible that I put a wrong account number since it needs to be put in twice ). I learnt later that AE used this to have me call them back so that they can have my banker on line to make sure I got enough money to pay the. This happens on XXXX XXXX. I had enough money in my account and the payment was done. 
On XXXX XXXX, I saw an interest charge of {$190.00} due to my payment was made on XXXX XXXX. One day late than the short notice due day set by AE. 
I got tricked because AE provides a unsafe mobile payment system and never inform our customers that a " Thank you '' doesn't mean the transition is completed and how long it takes to complete. It took them almost two months for the payment to return.

I felt that AE is providing a very unsafe product and should be responsible for my loss. Also, AE should give me a billing cycle for the returned payment. Instead, they only give me one day for the due day and charged me for interest of {$190.00}.
Consumer complaint received 2022-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC. ()

I had email to XXXX The 6 or more accounts are affecting my score and they are not update my accounts. Most of the accounts are closed more than 6 months to 1 year but they shows pending in my report. I also mail to central bank to proper update my loan closure data but there is no reply against my mail. Also mail to XXXX against this issue but not revert. Please request you to update all my accounts asap. These credit bureau can damage my all cibil score.
Consumer complaint received 2022-01-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Albert Corporation (CA)

I have an opened account on the Albert App saving Platform and the company refuses to return control of my funds. I am unable to withdraw, spend, transfer or otherwise make use of in any shape form or fashion the {$41.00} that this app has taken control of. The bank account that was first linked to the account was closed years ago and Albert refuses to transfer the funds to any other linked deposit accounts that have the same name and contact information as the closed account. Despite my numerous attempts to contact Albert ( they have no phone number to call and only offer text based support ) they are firmly and decidedly rooted in their demand for a bank statement for my closed account without regard for the hardship and distress that reopening lines of communication with this institution would bring me. I do not wish to very this account with them. I want to delete it from my profile and take back control of my funds.
Consumer complaint received 2021-08-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (PA)

I was reviewing past mortgage statements and came across a charge of {$45.00} added to my bill for a property condition inspection report. No one came to my home and presented to me as an inspector or for an inspection of the property. I am not behind on my mortgage, nor did I owe any late fees. My home is in good repair and the yard is kept trimmed, all utilities are on and those bills are up to date. 
I think this is just a scam charge added to my bill for the purpose to make money off of fees.
Consumer complaint received 2019-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: BARCLAYS BANK DELAWARE (VA)

I have an XXXX Mastercard through Barclays Bank Deleware. This card has Trip Delay benefits as advertised. A flight that I booked entirely with this credit card was delayed and caused my trip to be delayed by approximately 24 hours. This trip was booked with my credit card for my mother. During this delay, my mom stayed in a hotel for one night which I paid for while expecting the Trip Delay coverage to reimburse me for these expenses. I filled out the necessary paperwork to file a trip delay claim ( See attached items ) and was told I would receive a response within 7 business days. Not only did I not receive a response within 7 business days, but I needed to call repeatedly after this period to prompt action from the company ( I provided all necessary documents on XX/XX/XXXX and did not receive a response until XX/XX/XXXX ). When I received the response, I was shocked to see my claim was denied due to the legal wording of how Barclays defines what is a " trip. ''
Consumer complaint received 2019-01-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

I sent a payment to my home mortgage account electronically on XX/XX/19. My account reflected the payment and then showed a XXXX  balance on XX/XX/19. Wellsfargo then " reversed '' the payment without my authorization, but did not return the funds back to me. The account then reflected I once again had an outstanding balance and did not reflect the payment from the day before. Wellfargo says this is due to " delay '' in processing the payment and that i will eventually reflect accurately, however right now the account in in error and incorrectly reflecting my amount due and my outstanding balance. Wellfargo has been unwilling to correct the issue simply stating that it will correct itself in due time.
Consumer complaint received 2022-04-08
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: CITIBANK, N.A. (NY)

In XX/XX/2021, I had started to the process of purchasing a new home down in Florida. I had provided the new home builder with a {$40000.00} deposit to break ground on our new place. At the time of purchase, there was an authorized user account listed ONLY on my XXXX credit report that was issued by Citibank. I had noticed this error previously and placed the account in dispute. I have no idea who the owner of this account is, and Ive been a Citibank customer for almost 40 years. Apparently, this was never removed, nor had I received any notification of completion of this debt. My home is near completed. I have my walk through scheduled next XXXX, XX/XX/XXXX and my closing is set for XXXX XX/XX/XXXX. In final preparations for closing, my loan officer needed a new credit report since the report from XXXX had expired. To my surprise, this account is currently 30+ days past due. Because of this issue, I have lost my approval on my mortgage unless I pay the account off in full. When I was informed of this issue, I had contacted XXXX to gather all information that I could regarding this account. I then contacted Citi and spent hours on the phone with them trying to locate this account. This was unsuccessful. I then went into my local branch to see if they could help. They couldnt find anything. So now, an account that shouldve been removed last year is still reporting and I was never provided with any results from that dispute. This account is now 30 days past due and unless I payoff a strangers debt that is over XXXX, I stand to lose my home as well as the XXXX that is on deposit since Ive passed my mortgage contingency date. Furthermore, XXXX doesn't even have the full 16 digit account number.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

The account below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX Creditor Contact XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX has violated my rights. 15 U.S.C 1681 section 602A. States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 my 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-21
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: EQUIFAX, INC. (FL)

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.

The letters are stated with items and issues.

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 2022-04-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

XX/XX/XXXX : Bill pay arranged from XXXX  XXXX to Fifth Third Bank for XXXX mortgage payment. 
XX/XX/XXXX : Letter from Fifth Third Bank informing no payment received for XXXX. Late charges of {$95.00} placed on account. ( I was out of town from XXXX XXXX ) XX/XX/XXXX : Email from Fifth Third Bank. They requested payment for XXXX mortgage. 
XX/XX/XXXX : Called Fifth Third Bank a d provided routing and my account number for XXXX XXXX. A second XXXX mortgage payment including the late payment of {$95.00} was given to prevent personal credit damage. And later visited Fifth Third Bank branch in XXXX, FL and spoke with XXXX XXXX who requested verification of XXXX XXXX withdraw of funds and copy of check to Fifth Third Bank. 
XX/XX/XXXX : Received email from XXXX XXXX denying any error happened regarding payment. They attached copy of check sent to Fifth Third. 
XX/XX/XXXX : Received call from XXXX XXXX verifying second payment. 
XXXX XXXX XXXX : Multiple phone conversations with both banks attempting to find missing XX/XX/XXXX payment of XXXX. Spent more than 5 hours between calls to banks. 
XX/XX/XXXX : Visited XXXX XXXX at Fifth Third Bank. He called main office and they said more information is needed as the check attachment sent by me from XXXX XXXX was inadequate. Called to get further help from banks and customer service reps were incapable of correcting this issue. Last call today with XXXX who conferred with her supervisor XXXX in order to research lost payment.
Consumer complaint received 2022-01-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (OH)

Today is XX/XX/XXXX. On the XXXX of every month for the last 15 years I have had a student loan payment due with Navient. I have reached out to them several times as to why when my payment is due on the XXXX I log on and they are showing my account PAST DUE. I then attempt to specify a certain amount which is above and beyond their PAST DUE AMOUNT and they automatically change the amount so that I am not able to pay the extra I am intending for the loan. I have two loans with them and one is almost paid. I am attempting to pay extra to pay it off and they reduce the amount I intend for that loan to purposely stretch it out further. Every time I contact them I get no response. I am assuming the showing of a loan PAST DUE will calculate additional interest and late charges so that they can gouge the loan holder additional funds. I have attached the loan screen as of today. 
Make payment on XX/XX/2022 Calendar for payment date selection Effective same day if made by XXXX p.m. ET Pay from Acct * XXXX - XXXX XXXX XXXX Add a new bank Input Payment Amount with : Input Payment Amount with : Specify Amount Amount Due Past Due Loans to pay Loan Current Balance Interest Rate Due Date Amount Due Payment Amount XXXX Consolidation {$3000.00} 7.250 % XX/XX/2022 {$240.00} XXXX $ Past Due ( included in Amount Due ) {$120.00} XXXX XXXX XXXX$390.00} 7.250 % XX/XX/2022 {$45.00} XXXX $ Past Due ( included in Amount Due ) {$22.00} TOTAL {$290.00} XXXX These folks are gouging every loan holder anyway possible to charge additional fee 's or stretch the loan out as far as possible to collect additional interest. There is no detailed statement available so they calculate fee 's as they see fit without answering to the borrower. I have simply had enough of their games.