davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ME)

On XX/XX/18, I contacted Bank of America after my hairdresser attempted three times to use my Mastercard from Bank of America. I saw, too, they alerted me to check to see if some transactions were familiar, and they were not, but at that time, I could not get the system to work from my XXXX to check off and submit to them the purchases I had not made, so I called them. Long story short, over three hours later, I was still on hold with them, trying to reach the fraud department, which even a supervisor of the checking and savings department swore to me, and the credit card department, too, that they were working that day and I was simply to stay on hold. As I waited, more charges/attempts were occurring on my card, and I felt sick and upset, and could get no help. After over three hours on the phone ( no, I am not exaggerating and have phone records to prove the times I called, and asked for call back, too, which they never did call back at all ). I still have not heard a word from them.
Consumer complaint received 2018-03-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TENET HEALTHCARE CORPORATION (FL)

I REPORTED THE ( 3 ) FRAUDULENT ACCOUNTS FROM CENTRAL FINANCIAL CONTROL ACCOUNT NUMBERS XXXX, XXXX, XXXX WITH MY LOCATE POLICE AND CREDIT BUREAUS.
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

A XXXX off is consider a certificate of indebtedness which means it is income and must be removed. 

Privacy act of 1974 prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual, unless the disclosure is pursuant to one of twelve statutory exceptions.
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: EQUIFAX, INC. (GA)

XXXX accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-08-01
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: FORD MOTOR CREDIT CO. (UT)

In XX/XX/XXXX I purchased a brand new XXXX XXXX. The dealership pushed me towards using XXXX XXXX for the vehicle and I accepted. After the first paperwork was filled out on the vehicle and my down payment was accepted there was an issue with something in the paperwork and I had to come back in and re-sign every page again. 

To my understanding we set up auto-pay that day however the following month I learned that there had been another mix up and I was about to be late on my payment. I paid in full plus a fee that morning on the phone. 

Later that week I was able to log into my account online and link my bank account and set up my auto-pay from my laptop during a business trip to XXXX. I made another payment and was happy everything was finally taken care of. 

XX/XX/XXXX my credit monitoring alerted me of a 30 day late from XXXX XXXX and my credit had dropped XXXX points below where I could qualify for the home we were purchasing! I immediately got on the phone with XXXX and inquired what had happened and paid the back amount of almost {$5000.00} with fees and penalties and the person who helped me made sure that auto-pay was set up and reflecting on both ends now and informed me there had been issues similar in the past after apologizing to me. 

They refuse to give me any form of resolve or letter to have this mistake and 30 day late off my credit to this day.
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 reporting act 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  has violated my rights. 

15 U.S.C 1681Section 602 A states I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2. It also states consumer reporting agency Can not furnish my account without my written instructions
Consumer complaint received 2018-11-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2018 I was charged a late fee of {$27.00}, because I did not have access to the internet XX/XX/XXXX, and XXXX due problems with ISP. 
I also have XXXX  very small kids - so it's hard to get out of the house. 
I paid the minimum due as soon as internet became available - on the XXXX. 
Please refund the fee
Consumer complaint received 2021-06-25
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. (MD)

I've reached out previously about inaccuracies on my consumer report. I am completely stressed and physically ill because of it. I havent been able to work and have lost weight and my hair is falling out.
Consumer complaint received 2021-06-25
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (LA)

To whom it may concern I entered a consumer credit transaction using my credit card as defined in 15 usc 1601 ( l ) with Nissan Motor Acceptance Corporation in which a finance charge was involved. I asked validation on XX/XX/2021 through the mailing system with a green receipt and still till this date on XX/XX/2021 the debt has yet to be validated. An Affidavit that was notarized and cease and desist letter was also sent out on XX/XX/2021, and Nissan Motor Acceptance Corporation is still sending me bills concerning a debt that has NOT been validated. A CFPB complaint was submitted that they have not answered also. Nissan Motor Acceptance Corporation has threated to take possession of my car which was the result of a consumer credit transaction. Pursuant to 15 usc 1692g any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt. The Debt was not Validated through any form of paper work. They are violating my federal rights trying to collect on an alleged debt that has NOT been validated and have infringed upon my right to privacy by reporting false and misleading information on my consumer report therefore ruining my consumer reputation, character, credit worthiness and credit standing. I want to exercise my Right to Rescind.
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX  XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX
Consumer complaint received 2018-07-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Alliance One, Inc. (CA)

My XXXX state tax refund was intercepted by alliance one collection agency for traffic tickets. {$1100.00}. Tickets in XXXX & XXXX. The courts had my wages garnished thru my employment which had been paid off XXXX. 
Account # XXXX. XXXX balance liason at XXXX XXXX XXXX. XX/XX/XXXX called alliance one spoke with Supervisor XXXX XXXX about this account. He told me that XX/XX/XXXX it would take 6-8 weeks to return the tax refund amount. Called back XX/XX/XXXX to get an update status with XXXX XXXX he stated {$580.00} went to another account. I asked him why did he like. And did asked he verify that account was mine. And where are my receipts. Where is the other amount of my tax refund go {$540.00}. He hung up on me. I left the manager XXXX XXXX a voicemail about this issue. Never heard back. XXXX Address to corporate XXXX XXXX XXXX XXXX, wash. XXXX my name is XXXX XXXX . XXXX XXXX XXXX XXXX CA XXXX XXXX.
Consumer complaint received 2020-11-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION (AZ)

I have applied to PenFed for a re-fi on my residential home on XXXX XXXX, 2020. Presently, I have received no confirmation regarding the status of my application. Closing had been scheduled but never approved. Despite many, many attempts to get a definitive answer on the status of my application, after almost 5 months, there has been no determination. My application is straight forward. The loan would replace an existing PenFed mortgage, the loan to value is excellent, about 40 percent, my income is more than enough and my credit rating is very good. When this application was made, I was told to expect a 60-90 day closing.
Consumer complaint received 2020-07-24
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: American Financial Network Inc. (NY)

Ive been under contract on a home since XX/XX/2020 and working with American Financial Network for the mortgage loan. On XX/XX/2020 I was informed by my mortgage rep XXXX XXXX that the underwriter was going to deny my loan with only 13 days left to the closing date. She offered no solutions after making so many promises but as a first time home buyer, I guess I didnt know any better. Needless to say, I immediately asked for the denial letter and started shopping for another lender. I have found another lender and need to have the FHA case number/appraisal transferred as well as the denial letter from American Financial Network. I am not only being ignored by loan officer but she then had the nerve to say the loan hasnt actually been denied and that Id have to wait for the letter before she could transfer the file. It is now 12 days till closing, I have sent numerous emails to her and others such as managers and branch relations. If my loan was denied why is it that Im not being provided with the official denial letter to protect me and my earnest money deposit that was given to the seller. Why am I being so mistreated. Its starting to make me wonder if the loan officer has a personal issue with me based on my demographics because she has been non responsive and our communication has been horrible from the beginning of our business transaction. She also had the nerve to ask if I wanted to just cancel the loan with them and risk losing my earnest money ( her words and yes, I have the emails ), of course I replied NO, do not just cancel my loan. At this point, I just want the denial letter to be issued and to be done with this company. I am now 12 days away from closing and I need to move forward ASAP. Maybe by making this complaint, Im shedding light on the injustice thats being done to people like me, people of XXXX.
Consumer complaint received 2018-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

s XXXX equity line is not reporting that in XX/XX/XXXX or XX/XX/XXXX that I was late. was ' never late in the month of XX/XX/XXXX please make entire year today correct with no lates!
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: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX  XXXX XXXX Original Creditor : XXXX XXXX XXXX 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 — Public record information inaccurate
Company: Experian Information Solutions Inc. (MD)

Public Record - Today I contacted the District of Maryland located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX with the phone number XXXX They informed me that they do not supply information the third parties. How did you verify this public information? Chapter XXXX Bankruptcy Reference # : XXXX Date Filed : XX/XX/2016 ;
Consumer complaint received 2024-03-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (PA)

In the last few months I was in and out of the hospital and unfortunately had to rely on friends and family members to take care of my personal finances. I was made aware by Ally Financial ( Auto ) that since XXXX I had XXXX  return checks from my bank account. I also submitted a few payments through XXXX a ( third party vendor ) Ally uses through their portal with a debit card that did not return because it is automatically deducted. I was told my online services is disabled for 6 months. I can't access any documents or statements pertaining to my account. I was told that a stop payment was on my account and I had to now make cash payments through XXXX XXXX, XXXX XXXX ( third party vendors ) I can also pay them with a debit card. So if this is the case what is the difference in me paying through XXXX which charges XXXX versus XXXX who wants to charge {$29.00} for the same payment? I could not get a clear answer from neither representative I spoke with. I was told the payment would possible return from XXXX XXXX a third party vendor but it wouldn't return from XXXX or XXXX XXXX all third party vendors. This is a direct violation of my rights as a consumer under 1026.10 ( b ) ( 2 ) ). Although the XXXX returned payments was not my direct error it is still my auto loan and I take full responsibility for the mishap. I totally understand if I couldn't make a payment directly from bank account. But to try to force me to use these third party vendors that are more expensive and I am able to use the same debit card I would use for XXXX is a form of punishment for the XXXX  check returns. It's an unfair practice. Not to mention I am still a consumer and have a right to see my statements and access them. When I asked repeatedly why I can not use XXXX I never got a clear answer. They attempted to delete todays conversation but I printed it out and attached it. I also attached the fee for XXXX and XXXX. I made the payment through XXXX successfully for {$3.00}.
Consumer complaint received 2020-12-13
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. (MI)

I am writing to delete the following inaccurate, contradictory information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make these alleged charges. I ask that the items be permanently deleted from my credit report and updated. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible as it is hindering my abilities as I'm trying to advance in my life by getting a house.
Consumer complaint received 2018-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

Well hard to describe specifics but for example Sence I never get the correct information from the bank phone or the branches I am told by bank phone to visit a branch to get help to get my account service when go to branch they refused to help me with no explanation and when I confront both one saids I don't know why they told you this and that and I get that same answer or excuse from both ends blaming each other but I catch my self going in circles and doing what they ask me to do believing they are going to help me and never get help and answers I need I fill like a puppet other words like they are playing a game with because it had happened very many times I drive far to visit a branch I spend gas money that I don't have and time and effort and I keep telling them how hard it was for me to visit a branch and they still continue to do it and I still haven't gotten the assistance that I need when complain about it some agents laugh at me like is funny and I have lots more to discuss but is to much I need to speak to someone to express all complaints is to much to write I can write a book about it
Consumer complaint received 2021-09-21
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: World Acceptance Corporation (MO)

This account appeared on my credit report on XX/XX/XXXX. I have never had a loan with World Finance Corporation nor have I ever done any business with World Finance Corporation. 
I was never contacted by this company via phone or mailed any correspondence in relation to this account that appeared on my credit report. I was never given the opportunity to request validation information from this company for this account that appeared on my credit report. I have never had a loan with World Finance Corporation. 
With no interaction or communication whatsoever this account appeared on my credit report showing it was from XXXX. This is not my account. I want this removed ASAP.
Consumer complaint received 2019-09-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (OH)

On XX/XX/2019 I sent myself a check for {$440.00} from my unemployment account through XXXX XXXX XXXX. On XX/XX/2019 I had not received the check so! phoned their customer service. I was told the check was not sent and the money was credited to my account. I phoned customer service on XX/XX/2019 and was told I have to wait 30 days and file a complaint to get my money back. My car note has bounced due to this.
Consumer complaint received 2020-12-13
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. (MI)

I am writing to delete the following inaccurate, contradictory information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make these alleged charges. I ask that the items be permanently deleted from my credit report and updated. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible as it is hindering my abilities as I'm trying to advance in my life by getting a house.
Consumer complaint received 2018-03-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A. (CA)

Citibank , N.A . put a default on my record when they sent me a letter to pay my mortgage starting in XX/XX/XXXX without giving me a chance to respond. I didnt know at that time they already put me in default. I feel this is unjust because they didnt give me the time needed. I need them to give me more time. I was getting the money from a friend when they put a default on my record. I believe there is a law that says that you have to give the homeowner 30 days notice before this is done. 

In 2013, after calling and talking to Citibank we asked to settle the HELOC since our house was no longer worth what it was when we got the HELOC. I hired the XXXX XXXX XXXX to negotiate with the lender for a settlement which they did and received a Full Reconveyance. 


We called Citi Banks Department in and they said it was paid in full. Almost two years later I received a bill from Citi Bank, N.A. and was shocked. At that time, I had my records checked and found that after the negotiations they rescinded the Reconveyance more than a year later without our knowledge of what was done. We didnt know about it until we received the first bill and looked at the recording offices records. This is the situation as it occurred I feel this is unjust and have tried for several years to settle with them. I thought that they would negotiate a settlement after paying the company the money. I was hoping for help in overturning their decision of collecting the full funds when that was not owed.