davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NC)

Ive been trying to correct my credit report since the beginning of this year! Ive reached out to the original creditors as well as all three major credit reporting bureaus. Two of the credit report bureaus states that theyre information was corrected or updated but hasnt provided any proof that theyve received correct information! I still have old accounts that are past seven years on my credit report and some creditors are still reporting after Id provided them with proof of documentation that the accounts are no longer my responsibility or incorrect! Theres been reappearance of accounts listed without informing me! Id also provided them with my correct personal information and I still have wrong addresses listed on my credit report after theyve stated that theyve updated it! Im still unable to receive any approval for credit lines and other credit accounts.
Consumer complaint received 2019-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

See below, this person, whom does not even speak proper English, whom I can understand, is refusing to communicate with me via email, thus will not be dealing with this person ... ..so there needs to be someone that actually can refund the retaliatory fees B of A imposed and close this account as I want nothing to with B of A whom engages in discrimination and retaliatory fees being imposed for protected XXXX individuals. This will also be addressed by California DEFH, whom protects our class of individuals in California and I will go to all the XXXX centers to insure that they do not do business with B of A whom systematically engages in discriminatory practices. 




Enterprise Resolution XXXX To : XXXX XX/XX/XXXX at XXXX XXXX  Dear XXXX XXXX XXXX : Our Regulatory Complaints team has received correspondence on your behalf from the Consumer Financial Protection Bureau ( CFPB ) . 

I am your dedicated point of contact until this matter is resolved. Please note that the Bank of America email address this is being sent from is not monitored for incoming messages ; therefore, please contact me directly at the number listed below at your earliest convenience. 

Before I complete a review of your concerns, I need to confirm that you are the party who engaged the CFPB by speaking with you directly by telephone. 

Please contact me by XX/XX/2019, to confirm that information. My days and hours of operation are Monday through Friday, from XXXX XXXX  to XXXX XXXX. Pacific. 

I look forward to assisting you. 

Thank You, XXXX XXXX XXXX Resolution Specialist Regulatory Complaints Bank of America XXXX Extension XXXX XXXX
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. (TN)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX  XXXX XXXX XXXXXXXX account XXXX XXXX, and XXXX XXXX account XXXX XXXX have 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 2021-09-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (IL)

XX/XX/XXXX I was served a summons from Midland Credit Management regarding an alleged debt that they claim I owe. The summons included a mailing address to the companys attorney as shown in the attachment. On XX/XX/XXXX I initially mailed their attorney a cease and desist notice certified mail with green receipt # XXXX as shown in the attachment stating that they had 15 days to fulfill my demands. A consumer has the right to cease and desist pursuant 15 USC 1692c ( c ). According to this subsection, once the notice from the consumer is made by mail, notification shall be complete upon receipt. Ignoring my cease and desist is a violation of 15 USC 1692c ( c ) and this is evidence that the companys infringement has been willful. Not receiving a response from the company is a violation of my rights as a consumer to cease and desist. I followed up by sending another cease and desist notice to Midland Credit Management on XX/XX/XXXX by certified mail with green receipt # XXXX as shown in the attachment and it was received on XX/XX/XXXX. I am notifying you in writing through this CFPB complaint that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums. My consumer report is a medium through which they are communicating negatively to the detriment of my consumer report and reputation. Pursuant to 15 USC 1692c ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and as the original creditor I am demanding all of the following : XXXX out the balance on this account, stop all illegal negative reporting of this alleged debt to all consumer reporting agencies, and send an AUDIT TRAIL for this alleged debt that can include an ( entire file on me XXXX XXXX, all documentary evidence on me ( includes all documents, papers, correspondence, books of account, and financial and corporate records ) Audit Trail credit application ). 

This is my second cease and desist letter to Midland Credit Management. I am well aware of my rights and know that any further contact by this company, except a communication confirming acknowledgement of this letter, is in violation of the FDCPA. a response from your company you are violating my rights as a consumer to cease and desist. To ensure compliance with this letter and complaint, you are advised to send written reply stating, confirming and complying with the demands of this cease and desist as well as a response to this complaint complying with the demands of this cease and desist. Failure to do so will act as further evidence of your infringement up XXXX XXXX consumer and legal rights. I will immediately undertake legal actions in order to protect my rights.
Consumer complaint received 2018-03-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Omega RMS, LLC (PA)

This Collection Agency named OMEGA RMS whom brought this account from Stores Onlines at the time I owed roughly {$1700.00} in the year XX/XX/XXXX have double the balance to {$3500.00} and continues to report it on my XXXX Credit Report also twice within 30 days of the pass months. ( XX/XX/XXXX & XX/XX/XXXX ), the Statue Limitation on this Account expired in XX/XX/XXXX.
Consumer complaint received 2018-04-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America : Overdraft fee charged in violation of overdraft protection Act HR 1261 -Transaction over the total account balance was attempted.

-Bank Declined transaction -Bank CHARGED OVERDRAFT FEE occurrence XX/XX/2018 law states : ( 2 ) the consumer will not be charged a fee if such transaction is declined.

Representative over the phone stated they charge this customarily and when I mentioned this law to the representative she hung up.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I would like to get XXXX XXXX  acct # XXXX XXXX  XXXX acct # XXXX XXXX  XXXX acct # XXXX XXXX XXXX XXXX  acct # XXXXXXXX XXXX XXXX  acct # XXXX late payment markings since each late payment marks are inaccurate each credit bureau based of months. on XXXX it's reported i was late XX/XX/XXXX, XXXX and XX/XX/XXXX however it is not accurate. 
XXXX XXXX  XXXX  acct # XXXX XXXXXXXX XXXX bank acct # XXXX
Consumer complaint received 2017-05-25
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: JPMORGAN CHASE & CO. (NJ)

I went to 6 different new car automobile dealerships and they all had the same preprinted contract which I was told I had to sign and thereby agree to arbitration should any problems arise with my new  XXXX  or its financing, with Chase Bank and the dealership picking the arbitrator and that I must do what their arbitrator decides ; this is un-American and unfair. It is duress and coercion.     I tried crossing out that/those clauses and I was told the bank and  XXXX  would not approve my loan because I can not cross out and initial their contract even though it is both one-sided and detrimental to my best interests.     Therefore, a new contract was given to me to sign even though it was against my best legal interests and totally in favor of Chase Bank and  XXXX  car company.
Consumer complaint received 2018-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

Experian is not allowing a phone or online security freeze for me. 

My husband placed a security freeze with all four main agencies by phone or online without problems. I placed a security with XXXX, XXXX and XXXX by phone or online without problems. Experian is trying to push me without proper explanation to send a lot of sensitive info by mail which is ridiculous. Doing things by mail is also slower ( 3 days versus 1 hour ) if I need to lift the freeze in the future - so their route would also really penalize me. My personal situation has no complexities and I've been at the same address for nearly 10 years. They are not answering the phone when you try to get to a real person. 

I did not authorize any credit agency to have my information in the first place which I feel is a real invasion of my privacy. Now Experian want to make life difficult as well. 

Credit freezes should be automatically applied across all bureaus with one report, just like fraud alerts. That would be much better and fairer for consumers
Consumer complaint received 2018-04-16
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: General Motors Financial Company, Inc. (SC)

After review of my credit report I discovered accounts that were open in my name without my consent. GM Financial has a car note reporting that was a result of fraud. I filed an identity theft report as recommended by the FTC and took the steps needed to report the problem and remedy it quickly. After disputing with the credit bureaus XXXX refused to block or delete this account even with the identity theft report.The same information was sent to the other bureaus and it was removed.GM Financial was made away of this problem and it still has not been resolved. Although the account is not potentially negative I do not want it on my credit report because it's inaccurate and unknown to what kind of record it will lead to in the future. Time is of essence. I want this resolved ASAP.
Consumer complaint received 2021-09-16
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Synergetic Communication Inc (CO)

I sent a debt validation letter on XX/XX/2021 via certified mail. The debt collector failed to respond to the requests for validation and continues to contact me. 

Attached is Debt validation and response after validation request.
Consumer complaint received 2019-03-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: URS Holding, LLC (CA)

The company handling my student loan is XXXX XXXX. On XX/XX/XXXX I decided to pay the debt in full. This amount of XXXX was verified by two separate people at the company. One of the representatives was XXXX XXXX. I did not catch the other representatives name. I was also assured this account would be closed and I would be receiving a letter that the debt was paid in full. I never received that letter and actually received a bill for XXXX. I contacted Ms. XXXX on XX/XX/XXXX at XXXX ( PST ). During this conversation she assured me that amount would fall off and it had only accumulated because they were waiting for the Department of Education to close the account. I was told she would follow up and I would be contacted by XXXX. I never heard from Mrs. XXXX and then tried to contact her XX/XX/XXXX and XX/XX/XXXX with no response. On XX/XX/XXXX I contacted her again. She answered and referred me to her supervisor XXXX XXXX. I explained the situation to Ms. XXXX. She claimed that amount had not caught up to the system when I was given the final payment amount. I told her that amount of XXXX was verified by two different people at her company. She apologized and stated I still owed the XXXX. I told her I wanted to pay it as long as that was the remainder of the loan and it would then be paid in full. She offered to take off the {$10.00} in fees and put it through as a settlement. I told her I did NOT want to do this, as I had already paid almost {$17000.00} and did not want it go through as a settlement and negatively affect my credit score.  She told me the amount showing in their system had a XXXX cent discrepancy with what was showing on the Department of Education and that she needed to get it adjusted, otherwise if it were not the exact amount it would not close the account. She assured me I would hear back from her by the end of the day. I did not hear from her. I made multiple attempts to contact her to resolve this matter on XX/XX/XXXX. I spoke with XXXX XXXX ( another supervisor ) who told me he could close out the account, even with the discrepancy. I explained Ms. XXXX stated that would not be possible and I would like to speak with her directly. He told me she was at lunch and assured me she would contact me. I have yet to be contacted. I keep getting the run around and all I want to do is pay the amount and close the account. It seems as though they would like to keep the account open to collect more money in interest in fees.
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. (NC)

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. 
XXXX XXXX XXXX, XXXXXXXX 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 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 2022-05-03
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. (NC)

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. 
XXXX XXXX XXXX, XXXXXXXX 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 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 2022-05-03
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. (FL)

I carried the company directly to get a hold of an agent. I get an automated system that gets me no where. I opened a dispute on there website and it doesnt Car Refinanced in my credit report. I got an alert from there company about the refinancing, but am unable to dispute the refinancing. I have contacted the credit union about the refinancing. They claim to have sent a report to the credit bureau. I have not received an email saying they have started an investigation
Consumer complaint received 2022-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2022 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2018-10-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America/XXXX XXXX deliberately manipulates deposits and incoming charges to generate overdrafts fees. Overdraft fees are a huge revenue stream for them and I think it is grossly unfair of then to take advantage of the public in this manner. What can we do to get then to stop this reprehensible practice?
Consumer complaint received 2021-09-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Lending Club Corp (TN)

I submitted a consumer credit application with lending club bank and was denied. when they sent me the adverse action notice it stated they could not approve me based on things on my consumer report. I called the company and let them know they were violating my consumer rights pursuant to adverse action & Equal credit opportunity act by discriminating against my character and creditworthiness. I also made them aware that they didn't have the right to deny me credit because I'm the one who extended them credit with my credit card. pursuant to 15 USC 1602 Credit Card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. pursuant to 15 USC 1602 credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. i used my credit card ( SSN ) to incur a debt for personal use. also when I spoke with the supervisor on the phone he was admitting to discriminating, pursuant to 15 USC 1691e they are civil liable for failure to comply under the equal credit opportunity act.
Consumer complaint received 2018-04-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: DISCOVER BANK (CA)

Discover bank deduct {$21.00} from my bank account for the reason of mis calculation of cashback rewards previously. I don't believe that I was not eligible for the cashback at that moment. What's more it's against the law for a bank to directly take money from a customers account without notification.
Consumer complaint received 2018-04-16
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: EQUIFAX, INC. (AL)

In XX/XX/XXXX, my husband made a purchase at an online retailer with XXXX. The credit card issuer is XXXX XXXX XXXX. I receive paperless statements, and went to my online banking system to pay them. This account is used once or twice a years. My online bank indicated I paid the bill on the XXXX of the month, which was outdated information. The due date apparently was the XXXX. The full balance was paid, 3 days late. In my mind, I paid the bill, and forgot about it. XXXX XXXX through XXXX XXXX  contacted me at my email, ( which I never received ) indicating that I did not pay my bill on time, and continued to assess late charges and fees. When I was alerted by Equifax, on or about the XX/XX/XXXX that this was on my credit report, I called XXXX, and settled the dispute with them. They erased all charges. I spoke with two different representatives that told me they could not contact the credit reporting agencies on my behalf, and gave me an address. I wrote a letter, and copied Equifax and XXXX. I received an email from XXXX, which is attached, and I can not open the response.
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 — Old information reappears or never goes away
Company: CL Holdings LLC (FL)

The chargeoff date of this XXXXXXXX XXXX debt was XX/XX/2018. I complained to XXXX XXXX XXXX XXXX was supposed to buy out contract when i switched carriers and XXXX claims they never got the funds. I told governor XXXX XXXX, the XXXX, the cfpb, attorney generals in 2 states, both XXXX and XXXX XXXX XXXX  corporate as well. The amounts they never explained properly and i dont think followed fair debt collections practices out. Farthermore I am impacted by covid19. Please remove this misreporting from my credit report and all systems. XXXX XXXX XXXX XXXX and jefferson Capital systems , llc are harassing me. Please tell them to cease mailings and send me a letter saying the debt is no longer old. Note i can not speak on phone due to my disability. The XXXX  was also notified. Please answer in writing asap. Thank you.