davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-05
Product: Credit card — 
Issue: Transaction issue — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I purchased a watch from an online merchant, XXXX XXXX company and never received the watch. My bank of america Visa is now refusing to credit me back the amount. This is merchandise not received. I asked BofA to send me their policy and it states that I have 120 days from promised delivery date to dispute this. I purposely used my BofA Visa to purchase this item for my protection. I have called BofA several times, produced emails showing the delivery date and they are not refunding me the amount.
Consumer complaint received 2015-04-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Payments was due on XXXX of XXXX, but was paid on the XXXX. Late fee 's are applicable if paid after XXXX. Received a " Notice of Pre-foreclosure '' by certified mail on XXXX of XXXX stating I had 30 days from the XXXX to discuss Pre-forclosure with them or they would start foreclosure proceedings. If they are going to give me 30 days why do they wait until 6 days into it to tell me by certified mail?
Consumer complaint received 2023-06-13
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. (TX)

Experian violated the federal law under. 15 U.S. Code 1681s2 - by placing the following remarks on my Experian report these account must be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-24
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc (FL)

Ive had Chime mobile banking for a few years now. On XX/XX/2022 someone made two unauthorized atm transaction of {$100.00} and {$400.00} on my chime credit builder card somehow but the transaction expired and the funds was returned back to my card after filing a dispute. Chime deactivated my credit builder card and sent me another one in the mail which takes 3-5 days to receive. Then on the XX/XX/2022, the same two atm transactions happened again at XXXX on my credit builder account. However, the credit builder card in possession was already deactivated and my new card hasnt came in the mail yet. I did not have a active credit builder card to withdraw funds at the time of the transactions. Therefore, the transactions were clearly fraudulent. I called to dispute the transactions again but their investigation team has denied my dispute within minutes of me filing a claim and refuse to reopen my claim. The money that was taken was my rent money and chime always seem to talk in circles when I contact them. Chime isnt even trying to compensate me or look into my case. This is the worst online banking system out there and I would never recommend to anyone.
Consumer complaint received 2022-07-24
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. (MI)

In accordance with the Fair Credit Reporting Act XXXX 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 customer Reporting agency cannfurnish a account without my written instructions.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

My student loan servicer was XXXX. All of my loans were transferred to XXXX. XXXX is still reporting open loans with balances to the credit bureaus which is incorrect. XXXX is also reporting the loans so it looks like I have double the amount of Student loans that I actually have. I have contacted XXXX and disputed the accounts with the credit bureaus but XXXX continues to say their information is accurate but does not provide any updated information since XXXX. This is affecting my debt to income ration and greatly impacting my credit. Any assistance would be greatly appreciated. Thank you!
Consumer complaint received 2022-03-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (TX)

During covid i selected to utilize the forbearance option on my mortgage. once the forbearance period ended, I was given three options to satisfy my outstanding balance plus getting back to my normal monthly payment schedule. Thinking it would be in my best interest to modify the loan to include the outstanding balance i selected the loan modification option. once selected i followed the trial payment schedule to a T. 120 days later the mortgage servicer Shellpoint was ready to modify my loan. 24 hour prior to signing the loan modification documentation i was notified that my credit report was hit by shellpoint with a over 120 day late payment on my mortgage. I contacted Shellpoint and they agreed i have been making my monthly trial payments and that payment is going towards my monthly mortgage payment. I have requested documentation from shellpoint that states by selecting the loan modification option it will adversely effect my credit report. No such documentation is available or has been provided. I asked how to fix this and they didn't have any suggestion but to file a complaint. why would XXXX XXXX or XXXX XXXX every provide options that would so negatively impact the end consumer. I have never in my life missed a schedule mortgage payments. My credit went from a XXXX to a XXXX over night.
Consumer complaint received 2022-07-24
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. (MI)

In accordance with the Fair Credit Reporting Act XXXX 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 customer Reporting agency cannfurnish a account without my written instructions.
Consumer complaint received 2022-06-20
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: Experian Information Solutions Inc. (AL)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1.Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation US DEPT ED Account Number : XXXX As a consumer by law, this account must be deleted immediately. This Account is inaccurate and seeking litigation please delete it immediately. 
2. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX Account Number : XXXX As a consumer by law, this account must be deleted immediately. This Account is inaccurate and seeking litigation please delete it immediately. 

3. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX Account Number : XXXX As a consumer by law, this account must be deleted immediately. This Account is inaccurate and seeking litigation please delete it immediately. 

4. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX Account Number : XXXX As a consumer by law, this account must be deleted immediately. This Account is inaccurate and seeking litigation please delete it immediately. 

5.Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX Account Number : XXXX As a consumer by law, this account must be deleted immediately. This Account is inaccurate and seeking litigation please delete it immediately.
Consumer complaint received 2022-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I have already sent a CFPB report on deleting this account that was not authorized by me to furnish and this account was not opened by me. I have been a victim of identity theft and due to that my lively hood has been damaged I have suffered a lot due to my credit score remaining low. Account : XXXX XXXX  XXXX
Consumer complaint received 2022-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

WHY ARE YOU REPORTING THIS INACCURATE INFORMATION? THE BALANCE ON THIS ACCOUNT IS {$0.00} MEANING THERE AREN'T AN OBLIGATION THAT'S DUE. THE BALANCE WAS PAID OFF OVER 10 YEARS AGO. THIS INACCURATE INFORMATION IS DEFAMATION OF MY CHARACTER.The obligation was paid theres no need to have inaccurate information reporting especially when the obligation has met these types of things destroy a person 's life and character. 


THIS ACCOUNT SHOULDN'T BE LISTED AS DEROGATORY WHEN THE BALANCE AND {$0.00} AND NOTHING WAS NEVER OWED ON THIS ACCOUNT DELETE THIS INACCURATE INFORMATION. 
WHY ARE YOU ALLOWING A SCAMMER TO RUIN MY LIFE AND YOU WONDER WHY ITS XXXX  VICTIMS.
Consumer complaint received 2020-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

In XXXX I was contacted by a company called XXXX XXXX that I owe a debt of over {$6000.00} for a credit card that originated with Bank of America. I explained to them that I have never applied for nor have I ever had a card with Bank of America. They explained to me that they understand then a few days after I received a letter from a lawyer that he is trying to collect on this debt and he has a judgement against me for the approx. {$6000.00} and he was going to start garnishing my wages. I called several lawyers for assistance but most did not want to take the case because of the judgement which I did not understand. They stated they got a judgment against me back in XXXX for a credit card that they said I received in XXXX. I migrated to the US in XXXX so I could not understand why they would think on my arrival in the country Bank of America would just decide to give me a credit card. 
Anyway, I finally found a lawyer to represent me in court to stop the garnishment but unfortunately the lawyer I had did nothing to help me in court and I ended up trying to defend myself in court because to my dismay the Judge who presided was not interested in what I had to say as I had a " judgement '' against me. That is when I realized how serious this really is and there is no way out but to pay. She gave me a reprieve and had the lawyer return all my funds to me but interest would continue to accrue on the outstanding amount until my daughter attained the age of XXXX. My daughter is now XXXX and the lawyer has resurfaced to collect the now over {$10000.00}.
Consumer complaint received 2018-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Panhandle-Plains Student Finance Corporation (GA)

I paid off the loan back in two thousand and six. recently popped back on my credit about two years ago and theyre stating I owe the loan I paid off back in two thousand six and then not take it off my credit. It is greatly affecting my credit score.
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I do not recognize how this account is reporting on my credit report. 
I dont recognize the account number nor do I recognize the account status. 
I dont recognize the Acc balance. Everything here doesnt meet FCRA
Consumer complaint received 2022-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

WHY ARE YOU REPORTING THIS INACCURATE INFORMATION? THE BALANCE ON THIS ACCOUNT IS {$0.00} MEANING THERE AREN'T AN OBLIGATION THAT'S DUE. THE BALANCE WAS PAID OFF OVER 10 YEARS AGO. THIS INACCURATE INFORMATION IS DEFAMATION OF MY CHARACTER.The obligation was paid theres no need to have inaccurate information reporting especially when the obligation has met these types of things destroy a person 's life and character. 


THIS ACCOUNT SHOULDN'T BE LISTED AS DEROGATORY WHEN THE BALANCE AND {$0.00} AND NOTHING WAS NEVER OWED ON THIS ACCOUNT DELETE THIS INACCURATE INFORMATION. 
WHY ARE YOU ALLOWING A SCAMMER TO RUIN MY LIFE AND YOU WONDER WHY ITS XXXX VICTIMS.
Consumer complaint received 2020-06-06
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. (NV)

Experian did not contact the data furnisher! The data furnisher is " US Bankruptcy Court ''. not a third party vendor such as XXXX XXXX. Experian stated, they verified the information with " The public record vendor has verified the accuracy of the disputed information. The results summary was sent to you, XX/XX/2020, for review. '' XXXX XXXX DID NOT VERIFY ANY INFORMATION FOR EXPERIAN. STOP LYING ON THIS COMPANY! XXXX XXXX HAS FROZEN MY ACCOUNT DUE TO FRAUD AND HAS NOT GIVEN EXPERIAN ANY INFORMATION. COMPLAINT ID XXXX STATED THE BANKRUPTCY WAS VERIFIED BY THE FURNISHER. LIAR! LIAR! LIAR! DO NOT SEND ME ANOTHER LETTER SAYING YOU VERIFIED THAT BANKRUPTCY! 

Under the FCRA, consumer reporting agencies are required to provide consumers with the information in their own file upon request, and consumer reporting agencies are not allowed to share information with third parties unless there is a permissible purpose. There are several permissible purposes outlined by the FCRA. 

Credit reporting agencies are obliged to correct or delete inaccurate, incomplete or unverifiable information. 
XXXX XXXX HAS SENT ME A LETTER STATING MY ACCOUNT IS FROZEN DUE TO FRAUD WITH A PIN NUMBER ON IT. WHEN I CALLED XXXX XXXX THEY STATED THEY DID NOT GIVE EXPERIAN ANY INFORMATION.
Consumer complaint received 2022-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO. (KY)

I applied online for a business credit card with Chase in XXXX of XXXX. They needed document to process my application ( copy of EIN ), I sent it to them and never heard back. I tried calling their customer service number and their hold times are always more than an hour. When I finally got time to call them and spend time holding such incredibly high wait times, I was told its been more than 30 days since I applied and they closed my Process. My credit report was pulled. 

I didn't want to spend time researching, my credit is perfect, so I figured I will just go to the branch and apply for a credit card in person. 
I visited the branch on XXXX and applied for a credit card. I emailed the banker a copy of EIN for my business and also applied it to the website provided in a letter from Chase. 

I have spend ridiculous amount of time calling Customer Service, being transferred from one department to another department. Talking to their Executive Office was a waste of time, they did not to anything, instead they closed my case and told me their loan department will reach out to me. To this day, nobody reached out to me and I have not received a response to my business card application after I provided them with the copy of my EIN for my business.

I also reached out to XXXX XXXX XXXX and they closed my case with the result of this issue being resolved, however nothing was done. Chase just told them that case has been closed and consumer has been notified. 

We are in XX/XX/XXXX and I started applying for a simple business credit card in XXXX of XXXX. 
This has been the worst experience ever, however I am looking to get a resolution as I do not want to go apply somewhere else for the third time to just open my business credit card!

Their customer service and Executive office take no ownership of issues their customers are having.
Consumer complaint received 2020-12-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (IL)

Called Mr cooper, Nationstar, to get the payoff on my mortgage on XX/XX/15, mailed in a check. Was not cashed after 10 days, called again and was told i could do a check by phone, got my ID and called back and was told, i could not. Spoke to a supervisor and was told my check was sitting there, but i needed an official letter and had to send a certified check. This was never told to me before. I was told my check would be sent back to me and a letter with the correct form to submit for pay off would be sent. It is now 10 days and i have nothing. i am XXXX years old, and believe i am being taken advantage of because of my age, so they can get interest on the mortgage. I had actually spoken to 3 people who all gave me the same address to mail check ; now they are changing the process.these are not nice or incompetent people, or both to do business with. 
My loan address is XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX unit XXXX
Consumer complaint received 2018-12-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (NC)

I have recently moved from Ohio to North Carolina and bank with Huntington. On XX/XX/XXXX I made a mobile deposit of XXXX from a check from XXXX XXXX. The mobile site on Huntington stated my funds would be available next business day. However they were not. I needed to make another check deposit of XXXX. So I mobile deposited XXXX on XX/XX/XXXX. I called the bank to confim access to my funds but they stated they had to put a hold on my account due to the suspicion of fraud. No one would and could tell me anything else other than I was locked out of my account and wouldnt have access to anything until the following week once everything was cleared. Knowing this I told the representative that I would have to put a stop payment on the second check so that I could have cash available to me since I did not have another bank in my new state. It is now XX/XX/XXXX and my bank still has yet to unlock access to my account I can not see anything online nor use my debit card. I am now being told they are going to close my account due to risk but that is all they will tell me and once it is cleared they will mail me a cashiers check with the money in my account. I attempted to update my address with them over the phone since I did not have access to my account and they are unable to do that as well. My problem is the lack of communication to resolve the problem when me the consumer has done nothing wrong! I need help and I need this to be known that I am putting up a fight because Huntington has not done its job to protect the customer and only penalized me for something that is beyond my control. The check is not fraudulent and the understanding that my friend was putting a stop payment so I would have access to some cash should not be a reason to penalize a customer of 10 years. To top all of this off every day I made a phone call to see the updated status of my account and every rep. was rude and told me a different story of why and when my account would be available.
Consumer complaint received 2016-06-20
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A. (MD)

I had a Macy 's credit card account with a modest {$38.00} balance. Unfortunately I did not realize I had missed remitting payment, after a long history of timely payments and responsible account management. As of today ( XXXX ) The payment and all associated late charges had gone up to {$140.00}. In an effort to be responsible with my credit accounts, I never even activated the new Macy 's card that was sent to me ; I simply made phone-based payments in an effort to pay off my balance. 

When I called Macy 's this morning to remit full payment on the balance due, they indicated that the account had been referred to collections. I spoke with the collections agent and asked why I had NEVER received an email or a phone call indicating that my account was in jeopardy. Macy 's has both my phone number and email address on file ; in fact, I get no less than XXXX emails per week with advertisements regarding Macy 's sales and merchandise promotions! Their tepid response was that I should have received a paper statement in the mail. 

Obviously the late payments were an oversight on my part, and I accept responsibility for that. However, I do think it is inappropriate and a poor business practice to refer a person 's account to collections when no attempt is made to reach out via phone or email regarding the account status. This small balance not only netted Macys over {$100.00} in late fees, but the referral to collections is now going to adversely impact my credit rating. Never mind that I was a good customer and consistently made payments on time ; they were happy to let the missed payments add up so they could profit. 

In terms of how I have resolved this issue, I paid off the card in full, and have closed my account with Macy 's. I also intend to write a letter to Macy 's regarding their handling of this issue, but I hope that CFPB will continue to work with creditors on fair practices that do not adversely impact individuals who have very little recourse besides paying and moving on. A {$38.00} oversight on my part should not haunt me forever in the form of a diminished credit score.