davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-07
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Called Bank Of America ( XX/XX/21 ) to remove late payment record from my closed credit card accounts. I got late payment because the card was used by an authorized user and I was not aware. Later I missed the monthly statements ( may be coming by email ) until I noticed their mail about sending to collection. The full amount was paid instantly ( very low amount ) and closed/never used that card again.

Agent on phone from Bank Of America ( BOA ) was agreed to do something for me to waive the late payment incident from my record and told me to wait for receiving the result in mail by next week. No case/ref number was available to provide. 

Just 4 days later ( XX/XX/21 ), I have found my credit score went down XXXX  points ( from XXXX to XXXX ) in XXXX and XXXX  points ( from XXXX to XXXX ) in XXXX. XXXX is not updated yet but it has a remark from same BOA account. Whatever report BOA has provided to all 3 bureaus my score did go down instead of going up. 

4 days later ( XX/XX/21 ), Ive also got a letter says call BOA back to provide additional information. I called BOA several times after that, transferred from dept to dept but no agent was able to provide any help or answer about why my score has gone down or even explain anything about their mail. 

At XX/XX/21 I called again and an agent said I will get another letter about the decision and provided me a Case # XXXX but no letter is received yet within next 7 business days. My credit scores are still destroyed by them. 

Please help. I am planning to apply for home loan within couple of month and I dont want to spend time by trusting their wrong reporting system or false commitments.
Consumer complaint received 2019-02-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CO)

In XX/XX/2018 I completed the application for Public Service Loan Forgiveness ( PSFL ). I completed more than 10 years of employment with a qualifying nonprofit and made the required 120 payments. During the 10 years I reached out to my loan servicer ( Navient - Sallie Mae ) to make sure my loans were the right kind of loans and were eligible for PSLF. Each time I was told yes and given assurances that as soon as I completed 10 years, the loans would be forgiven because they were Federal Loans.

My application for PSLF was declined because my loans are in the wrong classification. Navient apologized for giving me incorrect information 4 different times and said I could consolidate my loans again and restart the process of 10 years of employment with a nonprofit and 120 more qualifying payments. 

Navient knowingly committed fraud, and said they are unwilling to correctly classify the loans because that would be considered admitting fault which could make them liable for the loan balance. The have decided instead to call me every day with excuses. This is unacceptable. I understand why the Attorneys General for so many  States are suing Navient for fraud.
Consumer complaint received 2021-09-07
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)

Hippa laws were directly violated no permission given nothing signed for any medical information to be shared about me publicly companies have violated law and respond with working on my dispute instead of removing the accounts just to me with cfpb requirements to respond in a certain time frame!
Consumer complaint received 2022-08-18
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: Experian Information Solutions Inc. (IL)

Hi I am submitting this XXXX FNCHES this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2023-07-31
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: WELLS FARGO & COMPANY (CA)

On XX/XX/2023 I was texted and called from Wells Fargo 's phone number from a scammer who had my online username, full name, phone number and bank account balance. I was told my debit card was declined at a XXXX XXXX in Texas and asked if I had authorized this. He then said there was a wire trasnsfer of {$4000.00} initiated and asked if it was authorized. I, of course, said no. I was then sent several verifcation texts from Wells Fargo 's phone number and was asked to text my password as well. This ended up being a scam. The scammer trasnferred {$4000.00} ( plus wire fee ) of of my checking account. I called Wells Fargo while it was pending and asked them to reverse/and or freeze the transfer. They said that they would initiate an investigation and let me know in about 10 days what they had concluded. Despite this being a fraudulent, unauthorized transfer, they have sent me a letter denying my claim. If the bank is federally insured, why am I not getting my savings back?
Consumer complaint received 2022-05-03
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. (TN)

In accordance with the Fair Credit Report Act XXXX  account XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXXXXXX Accounts # s XXXX, XXXX and XXXX has been violated my rights 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 an account without my written instructions
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

In accordance with the fair credit reporting act the following companies has violated my rights. 
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 instruction. 

I have the following inquiries on my credit report, in which I did not authorize or have knowledge of. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2012 XXXX
Consumer complaint received 2020-08-03
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: Experian Information Solutions Inc. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Accurate Background (GA)

On XX/XX/2022 I recieved a notice for adverse action from home chef about something in my background report. I asked them for a copy of the report and a summary of rights and still have not received any of the report and information
Consumer complaint received 2020-11-06
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NJ)

I paid my account in full ( {$650.00} ) on XX/XX/2020 using XXXX XXXX Commenity Capital Bank automated services. This balance included my purchases and interest charged. However they continue to charge me interest on a XXXX balance, they claimed that additional interest was generated after my payment because my due date was XX/XX/XXXX. 
I argued that the automated service gave me the option to pay only my purchases or purchases plus interest and I opted to pay both, which is reflected in the amount above. 

They have continued to charge me monthly interest that have accumulated to over {$100.00} although I have paid my account in full. They have been reporting a delinquent claim on my credit report every month since XXXX.
Consumer complaint received 2021-09-07
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: GOLDMAN SACHS BANK USA (PA)

I opened a CD account with Marcus Bank on or about XX/XX/2021 under account # XXXX. The CD is in the amount of {$250000.00}. On Saturday, XX/XX/2021, I received an email message from Marcus to notify me that this CD account had been closed. 

I called Marcus on Tuesday, XX/XX/XXXX ( the bank was closed on Monday for XXXX XXXX ) to ask what account was closed. I was told by the representative, named " XXXX, '' that the account was closed and that the {$250000.00} plus interest ( a total of {$250000.00} ) was withdrawn and the account was closed. 

Marcus could not tell me what happened to the account or where the money went. I was told that they would look into what happened and that I should contact them in a few days. 

My online account shows my two other accounts at Marcus -- a saving account and another CD -- but there is no record whatsoever of the CD account that was reportedly closed. 

It is too early to know if this was fraudulent or gross negligence, but in any event, Marcus was quite casual about my missing money. I want to make sure that I get my money back.
Consumer complaint received 2021-09-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

I'm a XXXX struggling student that is living on Social Security SSI income that recently lost my job due to the Covid Pandemic. Im struggling to pay for rent and food and other necessities and I will like if you can please have the courtesy of cease and desist on all my debt due to me being XXXX living on Social Security SSI fixed income which is violation and against the law
Consumer complaint received 2020-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Systems,Inc. (GA)

National Credit System is reporting a collection from XXXX XXXX XXXX on my credit file. XXXX XXXX XXXX is no longer a company and I have been trying to figure out where to call to pay with no success. None of the payments I made to XXXX XXXX XXXX reflect on this account. I never received any phone calls, letters or collection notices which is a violation of my 30 day right to dispute and leaves me unaware of where and who to pay. I would like National Credit System to fix this debt.
Consumer complaint received 2020-08-03
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. (MS)

I recently applied for an apartment and I got denied. I do not understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that are not mine. I do not understand what is going on, but these items are not mine and the all need to be deleted from my credit report. XXXX XXXX/XXXX XXXX {$150.00} XXXX/XXXX   XXXX {$350.00}
Consumer complaint received 2019-02-07
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with overdraft — Overdraft charges
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX, I attempted to make a payment to my Citibank credit card company for {$500.00} dollars. I accidentally selected an account from XXXX XXXX XXXX that I had to close for fraudulent activity on XXXX 's part. 

That was my mistake. I updated the banking information and processed another payment, and requested that the closed account be removed. The customer service person told me that they would remove the closed account. 

I logged in XX/XX/2019 to make an additional payment. I attempted to make a payment for {$900.00}. I specifically selected the correct account, since the wrong account had not been removed from my portal. Citi 's website re-selected the correct account, and when I noticed the next day, I called them to fix the issue. 

They told me I could go on line to make another payment, and that they would not be able to stop or correct the payment that was made. I again logged in to their website, and made 100 % sure the correct bank account information was selected. This was on XX/XX/XXXX. 

Again, Citi drafted payment from the incorrect account. 

Today, XX/XX/XXXX, I got a notice that my account was suspended for returned payments. I reminded them that I had called on several occasion regarding this same issue, but that their agents refused to help with the situation. 


Interestingly, I am still barred by Citi from removing the offending bank account. They continue to add more fees and more charges, and refuse to allow me to use the card.
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

payment never late. remove this innacurate information, it is not reporting correctly across all bureaus. 

15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) XXXX XXXX XXXXd XXXX XXXX XXXX Experian Last Updated XXXX, XXXX XXXX, XXXX  Payment Status Not more than XXXX payments past due Account delinquent XXXX  days past due date Worst Delinquency XXXX  days past due XXXX  days delinquent Balance {$19000.00} {$19000.00} Credit Limit XXXX XXXXXXXX XXXX
Consumer complaint received 2022-05-03
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. (TX)

Information & credit scores are not reported accurately or updated frequently but severely outdated. information & credit scores shown to banks, financial institutions and lenders are much lower lower that scores in apps by consumers. 

On XX/XX/2022, a XXXX XXXX mortgage loan XXXX informed me that my credit score was a low XXXX when I was seeing XXXX, XXXX, XXXX from all XXXX credit bureaus apps. When I looked at Equifax through my phones browser, I was shocked to see a low and inaccurate credit score of XXXX and no explanation as to why I was XXXX points down. Obviously, this damaged my chances of obtaining a home loan. Credit Bureaus are required by law to maintain FAIR & ACCURATE reporting updated frequently instead of keeping severely outdated information which they still have not fixed!
Consumer complaint received 2020-08-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX XXXX XXXX company is fraudulently attempting to collect a debt on behalf of Bank of America for a former debt that was charged off by Bank of America. 
This company uses illegal collection practices in addition to Bank of America. Both use illegal collection activities. Both Bank of America and XXXX use harassment techniques by phone to record false information instead of discuss the discharged closed account.
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MN)

I have talked with XXXX  and XXXX who have both informed me they did not share information with the credit bureaus about a bankruptcy, bureaus stated they received them from these companies which I know to be false and per the fair credit reporting act these should be removed
Consumer complaint received 2022-05-03
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

On XXXX XXXX, 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-08-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I am Florida XXXX with my paycheck being deposited to the account. Bank of America is charging maintenance fees to XXXX in a pandemic at the end of the summer. My balance was low because of a court case pending with covid court dates changing Bank of America was a. Part of this litigation. Knowing all of these factors : Pandemic, A Florida XXXX in summer months, and litigation pending Bank of America charged and took maintenance fees from my account. Please this can not be legal to do consumers, XXXX I am a. Single mom I have done everything I am supposed to do and now during a pandemic schools opening summer litigation they are taking a maintenance fee. Please review Bank of America policies please if its worthy of a class action suit please include me as a plaintiff.
Consumer complaint received 2019-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am really new at all this credit stuff but I am going through a really bad divorce. I am almost certain that account have been opened in my name the I never filled out application for credit. I never to freeze my credit files until I can go over what is and is not mine. The following addresses are not correct and do not belong to me possibly my soon to be Ex-husband. I an not associated with the addresses below. My only address is XXXX XXXX XXXX, XXXX OH XXXX. Please delete the following fraudulent addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXXXXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX
Consumer complaint received 2022-05-03
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NE)

On XX/XX/XXXX I contacted Experian about the following negative accounts ; 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 : {$14000.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2020-08-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Accounts, LLC (NY)

Capital Accounts is in clear breach of the Fair Debt Collection Practices Act ( FDCPA ). 
I received the first letter of notification about an alleged delinquent account on XX/XX/2020. I filed a timely dispute requesting a debt verification letter within the 30-day frame decreed in FDCPA. The dispute letter was received by Capital Accounts on XX/XX/2020. No investigation has been conducted and no correspondence has been received ever since before the alleged delinquency was reported to the credit bureau of XXXX on XX/XX/2020. 
Capital Accounts did not investigate the dispute or provide me with verification of the debt required by FDCPA. Their illegal and aggressive practices need to be stopped and rectified.
Consumer complaint received 2023-01-04
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Statebridge Company (KY)

I have paid my monthly payment due on the XXXX of the month. Paid on the XXXX of month due to holiday. This company has repeatedly called my home phone for debt collection starting XXXX. My loan is current and up to date. I called they would not speak with me. I asked them to do not call anymore.