davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I submitted a complaint on XX/XX/XXXX. I received a call from XXXX XXXX, phone number XXXX extension XXXX. I called XXXX  back 5 times before receiving a return call. When XXXX  called me back on XX/XX/XXXX in the late evening, he was very vague and could not tell me what my complaint was. He stated he would research my " concerns '' and provide me a response within 30 days. I have been through this rodeo with BOA before and in an effort to not have my time wasted AGAIN, I asked XXXX  to tell me what he was researching. He started telling me how he interpreted my concerns which was 100 % incorrect. I advised him then, in an effort to not waste time I'd like for him to hear my concerns since he clearly was not interpreting them correctly. XXXX refused and kept insisting I would receive a letter in 30 days. A letter in 30 days of research on " concerns '' that aren't really my concerns? Help me understand that? I am requesting that this phone call with XXXX  be listened to by management and they will clearly hear the incompetence and how i wound up back here. I then asked XXXX to provide me ALL notes on my account from XX/XX/XXXX forward, I asked XXXX to tell me if this was proprietary information, because IF IT IS, I can obtain the proper authority for the notes to be provided to me. XXXX stated he does not know and would research. this response doesnt make sense if he is a regulatory officer he should KNOW this information. I do this for a living myself, i can tell you what is proprietary and what is not.

At this point I am concerned who XXXX  really is and if he is competent to address my concerns in its entirety. I asked XXXX  was he a middle man just acknowledging my complaint or was he the actual person conducting the research. XXXX  confirmed he would be conducting the research. At this point I simply asked for XXXX XXXX  managers name, he refused. I explained why I was asking for this information ( based in his incompetence to provide any sort of clear answer on anything I asked ), he again continued to refuse. I asked for a manager to call me, no call.

I am concerned that a lot of time will be wasted here with someone that is incompetent to understand or even READ my concern correctly and address them. I do not want to receive a letter in 30 days that has nothing to do with or address my actual concerns.

I hung up the phone with XXXX  and called into BOA customer service, I spoke with XXXX. XXXX could not verify XXXX.
Consumer complaint received 2022-08-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I XXXX XXXX recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature.
Consumer complaint received 2019-02-14
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. (FL)

I called equifax back in XX/XX/XXXX to ask them when will XXXX/XXXX come off my report and they said XX/XX/XXXX because XXXX updated the account i had with them on XX/XX/XXXX because i wanted it removed so that's what XXXX did to say we review your account and updated information because I was disputed it with XXXX. I said to Equifax that's incorrect that i was delinquent in XX/XX/XXXX and my account was closed in XX/XX/XXXX but i paid XXXX the rest of the balance in XX/XX/XXXX, so it should drop off my report inXX/XX/XXXX.  They said no because XXXX updated account and reported information to them and that i stopped paying and started again. Which is incorrect. Equifax said its 10 years then since from the last updated informatiion which was now XX/XX/XXXX. Also, Equifax is showing that I'm still paying the XXXX  account, which is incorrect i have NOT paid them since XX/XX/XXXX and my account was closed in XX/XX/XXXX. I'm not sure where the information is coming from. Equifax said it stays on till XX/XX/XXXX when i called them again in XX/XX/XXXXXX/XX/XXXX and also called XXXX to tell them what Equifax stated it would take 10 years and once again XXXX  updated again inXX/XX/XXXX when i complained to them and it changed again to nowXX/XX/XXXX that will be 16 years not 10 years. This is not fair. I wlll fax you some information to you and attach also.
Consumer complaint received 2022-03-09
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. (MI)

I previously sent my written request to Equifax about blocking or removing all the information that is erroneous and fraudulent. However, that request was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of these inquiries or have Equifax get back to me with regards to the issue. Here are the items that concern me : XXXX  Date of inquiry XX/XX/2020 XXXX Date of inquiry XX/XX/2020 XXXX  Date of inquiry XX/XX/2020
Consumer complaint received 2019-02-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (GA)

Nelnet refused to allow me abscess to an account that I am the endorser. The borrower refused to pay the loan. I have no knowledge of his whereabouts. I have been making monthly payments but they will not release any information to me. I am only able to call in and get a summary of the account. I have been asking for ascess for more than 2 years. I have no idea where my money is going.
Consumer complaint received 2018-12-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have attempted to dispute the accounts and information that are listed below with all 3 credit agencies. These accounts do not belong to me and they were open as a result of identity theft : - XXXX  - XXXX XXXX   - XXXX - XXXX  XXXX  - XXXX  XXXX - XXXX XXXX - XXXX XXXX  Incorrect Address Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ADDRESS : XXXX XXXX XXXX XXXX GA XXXX Incorrect Names : XXXX XXXX
Consumer complaint received 2019-02-01
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. (CA)

This complaint is regarding Violation of verification and reporting of public information. Negative items ( bankruptcy ) on my credit report ( s ), where I personally contacted the US court house and verified that they do not verify or provide information to the to 3 party credit reporting agencies. How is it possible Experian, XXXX, and XXXX are reporting a negative public record item? Your assistance is greatly appreciated.
Consumer complaint received 2019-02-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NJ)

On XX/XX/XXXX, I noticed there was an unauthorized {$200.00} withdrawal on XX/XX/XXXX from my Citibank checking account. I immediately contacted Citibank on 1XX/XX/XXXX as soon as I noticed the unauthorized deduction. I was advised at the time that a provisional credit would be issued and there would be an investigation into the matter. On XX/XX/XXXX, I received a letter from Citibank stating that upon their " investigation '' they determined that the withdrawal was made by myself or an " authorized third party '' person. Furthermore, the letter I received stated that they do not routinely use ATM video to do their research. Well, how else do they investigate if not with the video surveillance? I immediately contacted them to dispute and escalate the investigation, but they already deducted the {$200.00} provisional credit they issued. I vehemently denied that I did not deduct the funds, nor did anyone else that I authorized. I have never been in the town where the theft occurred. Furthermore, I never use non-Citibank ATM 's, and this happened at a XXXX XXXX ATM. I immediately felt as though I had been victimized for the 2nd time. Once from the thief and again from my own FDIC insured bank that I have been banking with for 19 years. When I reported the unauthorized withdrawal, I was asked a series of questions. One being if I have ever shared my pin and if anyone has ever been authorized by me to deduct funds. I HONESTLY answered yes, because I am married and it is NOT uncommon for spouses to have access to their accounts. I feel as though, this honestly led to my demise and Citibank found an out in honoring my fraudulent claim. I have never had any other claims for theft on this account and have never had an issue until as of recently. In the past 3 months I have been issued 3 new cards due to fraudulent activity. It seems as though there is an issue with Citibank because someone else that I know who also banks with Citibank- has had the exact same thing happen to them. To prove I did not deduct nor authorize this deduction- I filed a police report in the town in which the theft occurred. I would not risk going to jail for {$200.00} if I performed or authorized the deduction. To be perfectly honest, I do not feel safe with my hard earned money in Citibank anymore. They are there to protect my money and this experience has been the furthest thing from " protecting '' me.
Consumer complaint received 2023-12-29
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc. (NY)

Sorry I could not figure out the right options for this issue. I used my kids fathers cash app card to make a purchase from XXXX XXXX. But it seems a third party scamming charged the card, not fashion nova so I was charged for clothes that I never received. I keep disputing with cash app and cash keeps saying no issues were made and denied the dispute. I dont know what else to do but got scammed out of {$93.00}
Consumer complaint received 2019-09-18
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL (AZ)

Rec 'd call from a Mr.XXXX twice now XXXX - approx 1 min. 
Tuesday XXXX XXXX - XXXX - Asking me to verify my birthdate - I explained I don't give out personal information over the phone - contact me by email. Identified himself as Mr.XXXX ( sp? ) with XXXX XXXX XXXX. 

XXXX - 1 min. 
Wednesday XXXX XXXX XXXX - Asked for my name/Acknowledged " XXXX ''... once again identified himself with XXXX XXXX - asked me to verify my birthdate - told him yesterday I don't give out personal information over the phone - asked again who he was with - he said CARE CREDIT - I said don't call me again - I'll contact you. Again identified himself as Mr.XXXX with XXXX XXXX XXXX. 

After my call to Synchrony Bank ( they represent CareCredit and recorded conversation ), they explained they would never contact me requesting this sort of information. I called to speak with the Fraud Dept. so they have record of this misrepresentation of their company and services by XXXX XXXX XXXX. 

I then researched and found this link, verifying there have been multiple violations by this company... and so, now I'm reporting it to you. 
XXXX XXXX XXXX I have since blocked those numbers on my cellphone. 
Thanks for your assistance and your important work. 

Best Regards, XXXX.
Consumer complaint received 2019-02-14
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. (NY)

I had opened XXXX XXXX XXXX credit card to finance my new business in XX/XX/XXXX. Business did not start too well, and I got late on my credit card payments. Once, my bank had returned the payment I made to XXXX XXXX, and XXXX XXXX soon after closed my XXXX account ( as charged-off ). A year or so later, I am in a better position financially wanted to pay off my balance to XXXX XXXX. I called to make a payment in full for the balance on the account, and was rerouted by an automatic service to a Law firm, supposedly XXXX XXXX had send my account to them to collect the balance owed. I never signed an agreement or opened and account with the law firm, so I had no interest in discussing my balance with them. I called XXXX XXXX, and after XXXX hours on the phone and XXXX transfers to different representatives, I finally had a conversation with a business account manager and was told that they will not accept my payment because the account was forwarded to law firm. The manager REFUSED to accept my payment that I was willing to make to the creditor I made an agreement with and opened an account - XXXX XXXX. I disputed this with Equifax as an account that no longer belongs to me, due to XXXX XXXX refusing to take my payment, which resulted in " account confirmed "!!!! I am furious because XXXX XXXX refused to accept my payment and Equifax did not remove the account from my file. Please help!
Consumer complaint received 2019-02-14
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. (TX)

I recently had my credit report pulled on XX/XX/XXXX. 2019 and I noticed there were several hard inquiries that were removed and has now been reinserted. I called Equifax and spoke with a US representative who removed those hard inquiries. I have since then noticed that they were reinserted and I NEVER received a 5-day notice which is a FCRA violation. I am requesting that all hard inquiries that are being incorrectly reported be removed IMMEDIATELY.
Consumer complaint received 2018-12-22
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. (TN)

I have been sending letters to the credit bureaus for months now and I have repeated myself over and over again. I am extremely concerned about the actions they are having on my life..I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I do not own XXXX XXXX  XXXX ... Step up CFPB and remove it from my credit report
Consumer complaint received 2018-03-23
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. (MS)

I take advantage of XXXX yearly. When I applied for a home loan through XXXX  in XXXX what I'm about to list wasn't on my credit report. When the final credit check was done in XXXX, XXXX six fraudulent student loan accounts were appearing on Experian, XXXX, and two on XXXX. The six on Experian and XXXX were created by XXXX XXXX. The two on XXXX  were created by XXXX XXXX XXXX. The dates and amounts that are listed on my credit report are false. I had stopped attending school in XXXX due to a XXXX caused by an automobile accident. I had a student loan with XXXX XXXX in XXXX. This loan was paid off. The following are the six accounts by XXXX XXXX on my credit report : 1.Open XX/XX/XXXX Amount {$8500.00}. 2. Open XX/XX/XXXX Amount {$6300.00}. 3. Open XX/XX/XXXX Amount {$4700.00}. 4. Open XX/XX/XXXX Amount {$4700.00}. 5. Open XX/XX/XXXX Amount {$3600.00}. 6. Open XX/XX/XXXX Amount {$920.00}. 7.Open XX/XX/XXXX Amount {$3700.00}. 8. Open XX/XX/XXXX Amount {$1200.00}. 
Number Three and Four are the same amounts, but have different account numbers on credit report. Number Seven and Eight have had disputes filed in XXXX, but continue to remain on report. Numbers 1-6 are XXXX XXXX accounts falsely created and Numbers 7-8 are XXXX XXXX XXXX.
Consumer complaint received 2019-02-14
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: GRANITE STATE MANAGEMENT & RESOURCES (MT)

I reported on XX/XX/XXXX to XXXX, that a student loan in the amount of {$31000.00} was paid off in XX/XX/XXXX. The debt was owned by GRANITE STATE MANAGEMENT RESOURCES ( GSMR ) I provided documentation to XXXX  that the debt was paid off. 
XXXX  reported that GRANITE STATE certified the debt as current. 
The document provided from Granite State clearly shows the account is at a XXXX  balance.
Consumer complaint received 2019-02-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC. (CT)

Dear Sir or Madam, Back in XX/XX/XXXX, I've received an offer from HSBC for {$750.00} bonus when a checking and savings account will be opened and some requirements will be met : https : //www.us.hsbc.com/checking-accounts/campaigns/offers/ # premier-checking-details On XX/XX/XXXX, I opened both checking and savings accounts, funded the savings account with {$100000.00} ( the required combined balance between the 2 accounts had to be at least {$100000.00}, as required by one of the conditions ). 
Another requirement was to maintain a balance of at least {$10000.00} for 90 days and then, approx. 8 weeks after the initial 90 days, {$750.00} will be deposited into the checking account. 
On XX/XX/XXXX, HSBC took the initiative of closing my checking account and forfeiting the {$750.00} bonus, although they still have my {$100000.00} in the savings account. 
All my attempts to resolve this issue with HSBC were unsuccessful. Therefore, I'm kindly asking for your assistance. Should additional information be needed, please let me know and I'll gladly provided. 
Sincerely, XXXX XXXX
Consumer complaint received 2019-02-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Premier Student Loan Center (MI)

I was looking to consolidate my student loans and hoping to get some of my loans forgiven. A third party company, Premier Student Loans, reached out to me stating that they were going to handle my loans and that there would be a {$0.00} payment towards my loans for 10 years unless I want to make payments. After the 10 years, all of my student loans would be forgiven. The only catch is that I have to make 6 payments of $ XXXX/month so they can certify that my loan payment is {$0.00}. After that, it would be $ XXXX/month for the next 10 years, but that will not go for my loans, only in their pockets. What I later realized, was that my loans are serviced through XXXX XXXX, and this particular third party company is not affiliated with XXXX XXXX. XXXX XXXX did see my balance of {$0.00} towards my student loans, but did not see any other transactions taken out. I am in a grace period, and I am not required to make any payments at this time, so this company took over {$1100.00} of my money that is not even going towards my student loans. I am a XXXX and unless you have been XXXX for 5 years, loans can not be forgiven. I have only been XXXX for 3 years, so I was given misled information.
Consumer complaint received 2018-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

Their is errors on my credit report that I did not validate or authorize. These accounts/inquires below need to be removed immediately because they do not belong to me. 

REMOVE COLLECTIONS : XXXX XXXX - XXXX - {$260.00} REMOVE INQUIRES : XXXX XXXX/XX/XX/2018 XXXX XXXX XXXX/XX/XX/2018 XXXX XXXX XXXX   XXXX/XX/XX/2018 XXXX XXXX XXXX/XX/XX/2018 REMOVE ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX EMPLOYMENT : XXXX XXXX XXXX
Consumer complaint received 2024-02-09
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: Experian Information Solutions Inc. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2023-03-02
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. (IN)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, Account starting with # 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-02-14
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NY)

I have a XXXX XXXX store card issued by XXXX Bank. This bank doesn't provide auto payment feature on purpose and rips people off on late fee even if they are late by one day. I have requested that they provide this feature as this is a minimum standard every credit card company provides and it is extremely difficult for people to remember that they have to make this one credit card payment manually every month.

The company just keeps on ignoring the complaints and continues to rip off people on late fee by NOT PROVIDING THIS FEATURE on purpose. 

I strongly feel that they business model is to make money out of late fees. 

I request that CFPB looks into their business practices.