davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FISERV INC. (NY)

I am the owner of XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Last year in XXXX, I signed up with XXXX online market place by paying {$750.00} in fees. They asked me to fill in a form with a third party company, named clover connect owned by Fiserv, which is managing the online transactions for this market place. Per their online form, I provided details for my bank account for ACH payments to my account for any sales I make on this market place. I was away in XXXX for family matters and did not notice that XXXX XXXX after taking my bank account detail started making ACH debits from XX/XX/XXXX. Further more, from XX/XX/XXXX, the company started deducting {$29.00} additionally for a total for {$49.00} every month. When I found out about this in XX/XX/XXXX when I paid attention to my account upon my return from XXXX and contacted XXXX XXXX, they mentioned that additional {$29.00} was deducted because I did not complete their online form for PCI compliance. When I enquired about this, they said that I must fill this form even if I don't have any cards with them and I have no direct account them. They said they will stop deducting payments only if I fill the form which essentially required me to go to their online website and state that I don't use their card payment platform. All the while, they did not send a single notice of payment or penalty.. They committed fraud by making unauthorized ACH debits into my account with no invoice or bills. This may be the only company in the world which accesses individual 's bank accounts and charges monthly fees even if my company is not a direct customer, and furthermore, charge penalty for not filling their online form for what they state as one of the steps in their onboarding process, when infact my company is not even a direct customer of theirs and they have no right to charge my company for not filling an online form. Please note that they needed me to only state in the online form that t am not their direct customer and that the transactions are done on online market place which is PCI compliant, and therefore the PCI compliance steps are not even applicable to my company. The company too {$210.00} from my bank account unauthorized. Request you to kindly take action on this company for the fraudulent and unauthorized withdrawal of money from my account.
Consumer complaint received 2021-04-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX, my financial institution, Bank of America, withdrew money ( in two transactions ) totaling {$4500.00} from my checking account to satisfy delinquent revolving consumer credit card debt that was being charged off by the bank. Federally chartered banks like Bank of America are prohibited from using offset to satisfy consumer credit card debt as per federal law.
Consumer complaint received 2023-03-18
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. (CA)

On XX/XX/2023 my burrow defense case has been approved and both loans STUDENT LOANS TOTALING {$14000.00} DEBT AND BOTH ACCOUNTS NEED TO REMOVED FROM MY CREDIT FILES AS THEY HAVE BEEN DISCHARGED. PLEASE CONTACT ME DIRECTLY IG YOU NEED EMAIL CONFIRMATION. PLEASE CONTACT FEDERAL STUDENT AID. AND REMOVE DEBT.
Consumer complaint received 2019-01-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

Loan servicer improperly charged insurance premium for a HO6 content coverage in my escrow account without proper notice. Charged premium at will before the notification was sent to mortgagor. Charged {$1600.00} in premium at once. When Mortgagor was notified, place the coverage and they still alleged that the charges were for back premiums. The actual insurance policy for the Condominium covers amounts enough for the money owed for the loan. Although Mortgagee was requiring these are additional amounts, mortgagor placed coverage for a year at a fraction of cost Mortgagee charged for the same coverage and in addition to the amount due on the mortgage. Mortgagor never received a certificate of insurance for what mortgagor was charged. These charges were illegal.
Consumer complaint received 2020-06-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

From my XXXX XXXX account I deposited {$2500.00} on XX/XX/XXXX, {$1700.00} on XX/XX/XXXX, {$2500.00} on XX/XX/XXXX, and Unemployment benefits {$960.00} on XX/XX/XXXX, All INTO MY PERSONAL safe advantage BANK ACCOUNT ending XXXX with Bank of America. On XX/XX/XXXX I noticed that My Bank account was closed. When I tried to log into my account online. I called Bank of America a representative stated that they put my account into risk closure and said they will not give me any further information of why my account was closed and that they are just ending business relationship with me. I was shocked given the fact that I did not give them a reason to close my account in the first place. I had a total balance of {$7800.00} in my account at the time of closure. I needed my money for the next day to sign a lease to get my business up and running again. I told the representative that I will like to go to the branch the next day to withdraw my funds. She said she would put in a request but there is no guarantee that I will receive my funds. At this point I am livid and filled up with anxiety. I had worked really hard to save up that money, and I feel like Bank of America is trying to steal my Money. She does not give me any details on why and the supervisor said the samething. Then the next day on XX/XX/XXXX I go into the XXXX NY Bank of America branch and speak with a manager there. She calls the back office to release the funds available in the account. The back office refuses to release funds they explain to the branch manager that the account is in risk closures and that the funds must be analyzed by an analyst before they can be released. 

This has caused a huge Inconvenience for me and I am very nervous that the bank will not give me my money that is in the account. I ask that you please contact the bank and have them release my funds to me. We are in a pandemic. And to do what bank of America is doing to people during this time is not only criminal but very very unethical. They show no remorse or care about people 's lives they damage. They never even notified me before closing the account they just closed it without warning or explanation. 

The numbers i called before going into the branch were : XXXX and XXXX. The Branch I went to is located at XXXX XXXX XXXX, XXXX, NY XXXX. Phone number XXXX. 

I beg of you to please help me with this matter. I don't know what else to do.
Consumer complaint received 2018-12-21
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ALLY FINANCIAL INC. (TX)

They've called me every day, 2-3 times a day. I've answered and explained my financial situation, apologized for the late payment and informed them that the soonest I'd be able to make payment is in a couple weeks. The last person I spoke too told me that was unacceptable and the calls would continue until I paid the debt. I told them the phone calls change nothing and that I'd like for them to stop. I'm aware of the debt, but have zero means to make payment until the first week of XXXX. Continuing to call me, even after being given a answer would be considered harassment. The collectors response was " it's not harassment if you owe us money and that's not a suitable resolution, so we will continue to call. '' so I hung up the phone.
Consumer complaint received 2020-11-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (MD)

I was recently denied my graduate student loans due to fraudulent accounts on my credit file which was due to identity theft. I have called the collection company " Midland funding '' about this and they told me the debt of XXXX is from XXXX XXXX. I never opened a XXXX XXXX account ever. On my credit file, it says that this collection account was opened XX/XX/XXXX. 

Also there is a fraudulent XXXX  XXXX XXXX credit card with a balance of XXXX. This account according to my credit file was opened XX/XX/XXXX. I have spoken to XXXX  XXXX XXXX about this but it still shows up on my credit file. I did not open this account and want it off my credit file.
Consumer complaint received 2019-09-12
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (RI)

On XX/XX/2019 I received a notice that I needed to make a minimum payment on a Gap card I never opened. 3 weeks ago I had been in store using my new XXXX card to make a purchase and the associate said she couldnt find the card in the system. I called XXXX to verify my card was working and was told it was, so the associate took my information to manually look it up in the system. To my knowledge, it went through as I paid and left with my items. However, after calling Gap to question why there was a card open, it appears the associate just opened me a store card without telling me what she was actually doing. XXXX is affiliated with Gap so I should have had no trouble using my card and dont understand why this happened. I called Gap and they said I am responsible for the Gap card now even though it was opened under false pretenses.
Consumer complaint received 2021-07-16
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: LoanCare, LLC (MI)

XXXX XXXX XXXX reported my mortgage as being discharched in bankruptcy in XX/XX/2017 to the credit bureaus. This is correct. I never reinstated the loan, so further payments on the mortgage were not reported. Which is also correct. 

XXXX sold the loan to LoanCare LLC and then they reported the bankruptcy a second time for the same mortgage to all the credit bureaus. This is incorrect. They can not make any reports as they have to follow the banruptcy rules for credit reporting.

I now have two mortgage accounts on my credit reports for the same loan.

I have asked LoanCare LLC and all the credit reporting agencies to remove this LoanCare LLC reporting several times using standard dispute processes. Since all they do is send back electronic messages, there is not any human intervention and nothing gets resolved.
Consumer complaint received 2020-09-23
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)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT. 


XXXX, EQUIFAX AND XXXX  HAS A COLLECTIONS ON MY FILES THATS NOT MINE.. 
XXXX IS NOT MINE.
Consumer complaint received 2018-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NJ)

I have been trying to obtain my credit report because I was denied for credit due to information contained in Equifax. I have attempted through XXXX  numerous times and also be paying directly on their website. I called and spoke with XXXX, a rep located in the XXXX call center who I asked to speak to a supervisor after being denied. My request was refused multiple times, as I was told they would have the same authority, and wouldn't be able to offer further help. I was placed on hold, and left without an answer. I have only had this issue with Equifax.
Consumer complaint received 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OR)

On XX/XX/23 my Equifax score dropped XXXX XXXX because I paid off my XXXX installment loan. The account was closed because it was paid in full. On that same day, Equifax decided to remove two laid in full mortgage accounts. A XXXX point drop is significant and financial damaging. The model is obviously flawed and very unfair to consumers. 

BTW, my XXXX score dropped only XXXX points for the same account closing, and there was no change to my XXXX score because the loan was paid in full! Of course its closed once it is paid. 

Equifax is unfairly penalizing consumers who pay loans in full in my opinion
Consumer complaint received 2021-07-16
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. (AL)

In XXXX and XXXX of 2021 I filed a dispute with XXXX, Equifax and XXXX  credit bureau about the inaccurate reporting of accounts on my credit profile first premier and united auto!. In these 2 months I have not received a notice in over 45 days and show that My dispute is even being investigated. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today which is a non-compliance of the FCRA. Thank you
Consumer complaint received 2019-09-12
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY (TX)

I was mislead about different fact about my loan. I was very clear that I wanted the loan to reside with a local person in XXXX. Was also clear that I did not want my loan sold to XXXX XXXX. 
PrimeLending was not local to XXXX, they are a national loan organization. And they said theyd service my loan. The term service must mean different things to different people because to me that means they will hold the note and not sell it. 
They ended up selling my loan to XXXX XXXX. I will not have a mortgage owned by a criminal organization. So now I have no recourse but to sell the house I just bought.
Consumer complaint received 2020-11-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (IA)

Navient automatically placed my loam into a disaster payment deferral in XXXX without my permission. I am in progress of trying to refinance my primary residence, and investment property. Although this did not impact my credit score, they placed a note on my XXXX credit report stating I am impacted by a natural disaster and that my loan payments are in deferment. I never advised I was impacted by a disaster, I never requested any assistance, but they made these adjustments without my permission. I am now dealing with questions as Im managing a refinance. I called and they apologized for placing this in a deferment status, and impact it had on refinancing. I said I want a better answer why they would do this without my permission and they could not answer this. This is highly irritating, an inconvenience and down right unacceptable they are able to make adjustments to my loan without my permission. The impact can not be undone for what Im dealing with and I cant understand how this is legal.
Consumer complaint received 2019-09-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX/XX/XX/XXXX for 30 days late? XX/XX/XXXX/XX/XX/XXXX for 30 days late? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2018-12-21
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: EQUIFAX, INC. (CA)

On XX/XX/18 I sent the company a signed certified dispute letter with an identity theft affidavit regarding the disputed fraudulent account, costing me {$7.00} in postage. 

On XX/XX/18, I received confirmation that the company in question received my certified packet with the contents listed above. According to the Fair Credit Reporting Act, Section 611, the company has 30 days to review and re-investigate the disputed account. 

On XX/XX/18 I paid my credit monitoring website, XXXX, a fee of {$24.00} to review all three credit bureaus and I noticed that Equifax had not removed my disputed account. It has been over 60 days since submitting my request.
Consumer complaint received 2019-09-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (TX)

I had an account with XXXX XXXX for XXXX XXXX. Long story short. I did not use them at my new address and they charged my account for an early cancellation fee in XXXX.In XXXX I went to their website and chatted with one of their reps. He waved the Cancellation fee and told me that it would be taken off my account. In XXXX I checked my credit report and it was on there anyway. So I tried to explain everything again to XXXX XXXX   and got nowhere. I told them that I have the chat response of the customer service rep that said that the fee was waved and would not be on my account. Still I got nowhere with them.. XXXX XXXX is refusing to take it off. Which I don't understand. I was just rejected by them on XXXX XXXX. Even after they read what the customer service rep wrote.
Consumer complaint received 2019-09-12
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (NY)

I would like to dispute my student loan balance with Navient. I havent been in school since the XX/XX/XXXX and never took out more than {$20000.00} in loans. Somehow, Navient has me owing {$46000.00}. I pay {$300.00} a month in interest. {$10.00} every single day. By the time I am done, I will pay have paid back {$62000.00}. I dont know where theyre getting their total. When I asked for documentation, Navient sent me a promissory note for {$1800.00}.! 
This is ridiculous. I have paid back more than I ever borrowed and at this rate, I will never stop paying and I dont even know what Im paying for.

Also, my interest rate is 7.75 %. Navient says that Congress sets that rate, but I'm not sure if that's accurate.
Consumer complaint received 2021-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: The CBE Group, Inc. (UT)

CBE Group is reporting a debt on my credit file that I need validated. I am not asking for verification of the debt but for validation I am legally obliged to pay them for this account. I have attached a letter with my demands.
Consumer complaint received 2019-09-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Cumulus Funding LLC (CA)

This company is a shared income loan. I was unaware what this meant exactly but now see the issues with this. Issues I'm having now primarily stem from trying to get a hold of an agent at this company. I made a large payment hoping it would reduce the amount of the loan, which it did not. I was sent a notice that my payment would be going down however due to the large payment. I had been trying to get a hold of them to find out exactly how much my payments would be. I attempted by phone and email several times and was still unable to get a hold of anyone. The first payment since has been withdrawn from my bank and is the same amount that it was previously. They've changed nothing and still have not contacted me. I have again attempted to contact them by phone but continue to be routed to their voicemail. They have, in the past, taken a payment out of my account a week earlier than scheduled. Luckily, I had the funds to cover, and it took 3 days to speak to anyone regarding that. I question if this company is a real company.
Consumer complaint received 2019-09-12
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: U.S. BANCORP (TX)

Two ( 2 ) applications for credit fraudulently using my name were submitted to XXXX by : 1 ) US Bank and 2 ) Elan Financial during XX/XX/2019. The person committing the fraud used a 10 year old previous address. I was called by US Bank as they were suspicious of the old address. I confirmed I did not apply for credit with US Bank and Elan Financial. They told me they would : 1 ) cancel both credit applications, and 2 ) advise XXXX to remove the inquiries from my Credit Report. I wrote to both XXXX and US Bank/Elan   formally requesting removal of the hard inquiries twice. They have NOT removed the fraudulent hard credit inquiries.
Consumer complaint received 2019-09-15
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. (WI)

XXXX, XXXX and Trans are reporting derogatory info on my credit file. A firm named XXXX co dc is reporting a charge off. Have no idea who or what this firm is or sells. Requested CBR 's remove, they say will not do. Sent me nothing to substantiate account.