davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-08
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 (CA)

Hi, for the past 4 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 
ACCOUNT NAME : XXXX/XXXX, ACCOUNT # : XXXX, DATE:XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : BANK OF AMERICA, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX, ACCOUNT # : XXXX, DATE : l XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX. 
ACCOUNT NAME : XXXX/XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX.
Consumer complaint received 2019-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BARCLAYS BANK DELAWARE (TX)

First off .... I am A-B-S-O-L-U-T-L-E-Y DISGUSTED with Barclay offshore support that further exacerbated problems when representatives that fail to grasp the English language. 
XXXX I had 2 transactions decline on XXXX for {$50.00} ... I log into my account and see I have a balance of {$290.00} of a {$500.00} credit line.. Called about XXXX XXXX to get explanation. 

The 1st level person stated there was a {$110.00} charge to XXXX, but I do not see in in my account, neither posted nor pending. Several issues turn up with her ability to address this matter ... But nonetheless, I see an error in a XXXX charge and ask to dispute.. The lady transfers me to ANOTHER person that does not fully grasp the English language. 

Long story short, I got so frustrated with this language barrier ... I cussed her out and hung up the phone ... DISGUSTED!!! 

My XXXX  charge should have been {$55.00} as shown in previous months..??
Consumer complaint received 2019-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

In XXXX I made my payment on time. Capital One system cut off the last 3 numbers of my bank account making the payment fail. A few days late when I found out the payment failed I contacted them asking what the problem was and after an hour of being on hold and talking to 2 or 3 different people finally I got it fixed and made payment again. This time the payment went through no problem. Even though the problem was fixed and not my falt Capital One is using this as an opportunity take away the 0.0 % APR till XXXX 2019 deal they offered me for opening the card. The moment I found out that they were trying to take this away from I told the customer service to connect me with a supervisor so I could make them give this back. The supervisor I spoke to told me they would submit a ticket to get the 0.0 % APR till XXXX 2019 reinstated. I have been all Capital One every week for a month and they still tell me that the ticket is being worked on. I have to make a payment on this card in a few days. I am asking the CFPB to stop Capital One from engaging in this deceptive business practice and make some give me back the deal I signed up for. 0.0 % APR till XXXX 2019
Consumer complaint received 2019-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank Re-opened and Closed their online portal before I could upload documents ... Claimed dispute is flagged as closed so gathered data is useless ... I have no way of getting around and no analogue phoneline to fax ... 
90 Minute Holds result in a dumped call regarding the mishandled case in which I was told one thing, but The bank performs a totally diff action. 
The Data upload situation is a Catch-22.
Consumer complaint received 2023-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NE)

It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this accurately.
Consumer complaint received 2019-04-08
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc. (NC)

I took out a loan from Santander Consumer USA Inc. 
XXXX. XXXX XXXX XXXX XXXX, TX XXXX Early in XXXX for approximately {$32000.00} to purchase a boat. This was a 15 year loan with payments of {$350.00}, the maturity date of this loan is supposed to be XX/XX/XXXX, but as of XX/XX/XXXX, Santander says I still owe {$16000.00}!! in 15 years my principal amount has dropped by almost half after paying in approximately {$64000.00}!!!!! I have read many complaints of this happening to a large amount of people doing business with this company. I have talked with individuals of this company on a few occasions and no one can or will tell me why, I get the run around from them.
Consumer complaint received 2023-08-10
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. (IL)

I recently checked my credit report and saw several accounts reporting that I do not recognize and did not authorize. This false information has stopped me from being able to purchase a home, car, obtain credit, and create the life I am trying to provide for myself and my children. It is practically ruining my life.
Consumer complaint received 2021-02-09
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/XXXX XXXX XXXX XXXX went through a Bank of America drive through atm and tried to take {$1000.00} out of my edd prepaid Bank of America account. the atm malfunctioned and said door problems and could not give money So I went inside bank to use atm in bank for {$1000.00}. And it said I had reached my daily limit And could not get money so I asked to speak with branch manager to see where my money went while waiting I noticed another person in bank really upset about the same reason it had happened to her also so when they spoke with me they said there is nothing they can do for me to put a claim in and make a police report but the police would not take my report so days later they closed my account and said it was fraudulent and that I needed to be verified with Edd so i did contact Edd and get verified and then got a letter from Bank of America saying they closed the claim for atm malfunction {$1000.00} and freezes my account and said that edd freezed it so I contacted my assembly man XXXX XXXX to contact edd on my behalf XX/XX/XXXX the edd said everything was cleared Statement from EDD : Case Resolution Comments Now that the identity was confirmed on XX/XX/XXXX the payment for the week ending XX/XX/XXXX has been sent to authorization on XX/XX/XXXX and continued claim forms have been mailed to bring the claim current. 
Bank of America is still holding my money and has not refund me or released any money as Of XXXX
Consumer complaint received 2023-01-09
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. (GA)

Under the Fair Credit Reporting Act, they 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2023-08-11
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. (IL)

I recently checked my credit report and saw several accounts reporting that I do not recognize and did not authorize. This false information has stopped me from being able to purchase a home, car, obtain credit, and create the life I am trying to provide for myself and my children. It is practically XXXX my life.
Consumer complaint received 2018-11-19
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: Strategic Alliances, Inc. (UT)

1st Finl Investment Fund is reporting on my credit for a debt that isn't mine or I do not owe. IT looks like it is for medical but I have always had insurance and never owed this. 
I have never got a notice from this company ever ... 
This debt is old and not mine.
Consumer complaint received 2023-08-10
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)

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 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 has violated my rights. Or list of inquiries 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 2019-04-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CA)

I have been a participant in the Public Service Loan Forgiveness Program since 2010. It is my understanding that my federal loans were recently transferred from XXXX to FedLoan Servicing.  However, FedLoan Servicing  never contacted me with details about this change or how I was to make payments. On XX/XX/XXXX, the day that my student loan was normally due, I received a notice from them that my loan had been transferred to them and to wait to hear from them. I went on the XXXX  website to make my monthly student loan payment nevertheless, having not been provided with any alternative payment instructions. XXXX declined to accept my payment and only told me to wait for FedLoan Servicing to contact me. Nevertheless, despite several attempts on my part to reach them to make my payments, FedLoan Servicing  has not responded to any of my attempts. I am extremely concerned that not only will this negatively impact my credit in the immediate timeframe, but it is also having a cascading and deleterious effect on the promised discharge of my student loans. In particular, I am concerned that by ignoring my attempts to reach them, FedLoan Servicing is adding late fees and interest to my balance, and extending the number of payments I must make to them before I will be eligible for forgiveness and discharge of my student loans. 

Would you please help me figure out why they are ignoring my attempts to reach them so I can make my payments? In addition, would you please help me make sure that they do not adversely penalize my account? Even throughout the government shutdown when I was not getting paid, I continued to put aside money to make my student loan payments. I would like for FedLoan to honor my payment arrangements with the Department of Education, accept my payments from the last five months, apply them as timely monthly payments made from XXXX - XXXX, and not charge me late fees or additional interest that would not have accrued had they been responsive. Moreover, I recently had my first baby on XX/XX/XXXX and I can not even reach FedLoan Servicing to adjust my income- based repayment now that my tax situation has changed. Having a newborn baby is stressful enough without FedLoan Servicing adding this completely unnecessary financial stress to our lives. 

I have attached the correspondence I sent to them. I sent the letter by fax on XX/XX/XXXX, and by certified mail on XX/XX/XXXX. 

Please let me know if you have any questions. Thank you so much. 

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2022-06-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 an account without my written instructions.
Consumer complaint received 2019-04-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (CA)

Since XX/XX/2019, I have requested financial hardship assistance from PNC Mortgage ( as I am officially the successor-in-interest in their files since my parents are deceased ). Going up to the last week of XX/XX/2019, they continuously state they require more files i.e. tax documents, profit/loss statements, paycheck stubs, bank statements. I attempted to contact my point of contact ; however, her voicemail stated she will be out of the office until XX/XX/2019 ( as I began calling at the beginning of XX/XX/2019 ). I made numerous phone calls and e-mails to PNC Loss Mitigation regarding my hardship assistance packet, and I was directed to 6 representatives each requesting documents/receiving documents. On XX/XX/2019, a demand letter was sent regarding the loans had defaulted and they require the whole payment of over {$2200.00} be paid by XX/XX/2019 or they will continue with the foreclosure process. Loss Mitigation contacted me days after stating that my financial hardship assistance case was closed, but they reopened the case because they required more financial documents. They did not send notification and give ample time stating they need my completed profit/loss statements calculated, and they also stated they did not receive my completed tax forms as I previously sent those documents in XX/XX/2019. 
During the last week of XX/XX/2019, I contacted PNC Loss Mitigation via phone and spoke to the same representative twice that week. They said they finally received my completed application ; however, she stated in both conversations the demand letter sent and the payment must be made in full by XX/XX/2019, or they will initiate the foreclosure process and attorney fees will be included. 
I have contacted the California Fair Housing Bureau as well and they suggested I contact the Consumer Finance Bureau due to unfair treatment. I have e-mailed my Loss Mitigation point of contact ( as she is supposedly back in office ) regarding these issues, on XX/XX/2019. I believe PNC Mortgage is conducting dual-tracking and misrepresentation which are violations.
Consumer complaint received 2018-04-04
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: EQUIFAX, INC. (CA)

I mailed an addition to credit report letter to Equifax to add my Release of Lien via Document number XXXX by the XXXX XXXX XXXX XXXX delivered on XX/XX/XXXX certified mail, Ive yet to receive a notice that its being attended. The XXXX. is still attempting to collect a debt, and filed multiple liens of the same debt against me. The lien was tendered in XX/XX/XXXX.
Consumer complaint received 2022-12-29
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Affirm Holdings, Inc (NV)

My cell phone was hacked and in the time someone had access to my phone I had several charges from my bank account. My bank investigated and stated that it was indeed fraudulent charges and refunded me my money 100 %. 

The hackers attempted to purchase an XXXX and send it to a house in Florida. Again, I was able to stop that. 
They did open several accounts for Affirm Loan Services which payments are due now. 

How I found out was randomly pants showed up at my house. {$300.00} pants. I reached out to Affirm and their fraud department decided I was still responsible for said charges. I provided them with the the documentation from my bank stating the banks fraud department determined that I had had fraudulent charges around the same time as the loans had opened up. They closed out my case and XXXX XXXX a Supervisor on the Affirm Customer Care Team stated the investigation was not reviewable at this time. 

Below are the following information for the 3 accounts opened under my name without my knowledge or permission. 

Creditor : Affirm Load Services XXXX XXXX XXXX XXXX XXXX, CA XXXX Payment Agreement ID : XXXX Number of Payments : XXXX Amount of Each Payment : {$27.00} Due Biweekly Starting : XXXX Total Payments : {$110.00} Creditor XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Payment Agreement ID : XXXX Number of Payments : XXXX Amount of Payment XXXX through XXXX : {$100.00} Amount of Payment XXXX : {$100.00} Due Monthly Starting : XXXX Total Payments : {$320.00} Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Agreement ID : XXXX Number of Payments : XXXX Amount of Payment XXXX through XXXX : {$86.00} Amount of Payment XXXX : {$86.00} Due Monthly Starting : XXXX Total Payments : {$260.00} Please help me get this fixed. I went to the company and even though I had no knowledge or gave no one permission to use my name they are still stating I am responsible for this. I can't afford over {$600.00} in charges for pants. I'm a XXXX shopper for me and my XXXX kids. 

My XXXX  screenshots will show that at XXXX on XXXX someone had transferred my XXXX card to another Cell phone. On the same day at XXXX my sim card was transferred back. Then after that they flagged my account for all XXXX card transfers.
Consumer complaint received 2022-12-29
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Incomm Holdings Inc. (WI)

I purchased a {$50.00} Vanilla Mastercard Gift Card issued by XXXX, XXXX. I was able to check the balance online XXXX time and confirm the balance of {$50.00}. The website now returns " error '' messages every time the card information is entered ... .changing browsers, clearing cache/cookies, disabling ad blocker, trying different devices, etc. does not fix anything. 

The card does not work for purchases, and customer service is unreachable via phone or possibly does not exist at all. I attempted multiple times, and each time was on hold indefinitely. 

At this point, there is NO way to use the card or contact anyone to correct the issue.
Consumer complaint received 2024-02-10
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: NAVY FEDERAL CREDIT UNION (SC)

Navy federal credit union violated multiple of my consumer rights and multiple FDCPA 15 u.s.c 1611 Navy federal credit union gave my information to a 3rd party corporation without my consent or wet signature consenting both parties which is identity theft. Navy federal also violated the Dodd-Frank Wall Street Reform and Consumer Protection Act 18 u.s.c 8 obligation or other security of United States I never received presale letter, post sale letter, commercially reasonable manner of transaction, the repossession was also a Breach of Peace I directed the 3rd party tow company to address themselves which they didnt, and to unhitch my car from tow truck the driver proceeded to lift with me inside my property, tow truck employee then said pay your XXXX ( XXXX XXXX ) bill dummy and drove off with my Car. Ive sent multiple bills of exchange letters, notice of claim. Navy federal customer service rep said I only can pay the bill with cash and the full amount which was paid in full once I use my SSN and my wet signature on the retail installment loan. The fraud committed by Navy Federal Credit Union made the contract null and void Withholding my access to my securities is securities fraud. You're also in violation of the Equal Credit Opportunity Act and Consumer Credit Protection Act. 15 u.s.c 1681 ( n ) civil liability for willful non- compliance 15 u.s.c 1692 false or misleading representation 18 u.s.c 8 Obligation or other security of the United States 31 u.s.c 3123 Payments of obligations and interest on public debt HJR 192 12 u.s.c 1431 Powers and duties of banks ( borrowers/pay interest ) My credit is a right granted ( not a privilege ) banks can't give you credit nor extend it. Rejection coupon/payment which is adherent to XXXX  XXXX XXXX incident Breach of fiduciary duty XXXX  XXXX Refusal to discharge the debt which is a violation of XXXX Violation of title 18 u.s.c section 242 Deprivation of rights under color of law Creditor- Any person who offers or extends credit creating a debt or to whom a debt is owed, but such terms does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. My APPLICATION was the credit!!! The ONLY way to pay bills is with interest!! How can you pay on a positive balance? EVERY contract has equity!!!