davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XX/XX/2018 To CPBP, SUBJECT : Bank of America 's deliberate attempt to delay process of Automatic Full Payment inspite of reaching out several times.

Hello CPBP, I have been approved for XXXX XXXX XXXX XXXX from Bank of America. I have contacted them several times to make sure that the card is paid in full ( automatic full paym

ent ). However, Bank of America has enforced a policy that unless and until " XXXX  '' is not generated, customers can not set up their account to be paid in full. The " XXXX XXXX' generation process has taken several months and upon several requests Bank of America was not willing to set up auto payment over the phone.
They have done so for charging interest My balance was just in range of {$20.00} and they have marked my account with credit reporting agencies as delinquent and in debt collection of for debt of {$1.00} ( for 4 months, total of {$6.00} ).

This has led to cascading effect of high inconvenient and many of my applications being deined resulting in hundreds of dollars of loss..

I have made full payment to Bank of America ( including the interest charge of {$6.00}, today XX/XX/XXXX). They have still NOT obliged my request for auto payment of my card, in case i use the card.

I sincerely, reqest CFPB to investigate this loophole which " Bank of America '' has created to not approve the " XXXX '' process and hence NOT honor any request for auto- payment in full.

thanks XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Email : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX
Consumer complaint received 2021-03-29
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. (CA)

In XX/XX/XXXX I opened a dispute with Experian regarding an account on my credit report that had been closed for many years and was negatively effecting my credit. As of XX/XX/XXXX the item had been on my credit for seven years and qualified per the Fair Credit Act to be removed from my credit report. Experian sent me a rejection letter stated the item would stay on my credit until XX/XX/XXXX, which would make it nearly nine years on my credit.
Consumer complaint received 2021-03-29
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Shellpoint Partners, LLC (WA)

I noticed ( XX/XX/XXXX ) that my credit report is reflecting a new charge-off from Shellpoint. Upon review, I was able to confirm that the alleged debt is actually an illegal attempt to collect on a previously charged-off account from another lender. Ditech ( original creditor ) charged off the balance in XXXX. Shellpoint has never provided any documentation to support their claim or any notification that they are attempting to collect a debt or informed me that the debt can be disputed.
Consumer complaint received 2017-08-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Crown Holdings, LLC (TX)

Day Knight & Associataes Creditor Name : XXXX XXXX XXXX I have no knowledge of this account. Just recently pulled up credit repot and see it has been on my credit since XX/XX/2017. I will like to dispute this account do n't believe it belongs to me.
Consumer complaint received 2017-08-07
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. (NY)

I recently filed a complaint with the CFPB about a fraudulent account that was being reported on my credit reports for Experian and XXXX, which they have actually removed. However, a residual issue exists with that complaint. 1. XXXX has not readjusted my credit score from when the account was reported on my XXXX  credit report, which the day before the fraudulent account was placed on my credit report, my XXXX  score was XXXX. After the fraudulent account was placed on my Equifax credit report, my score dropped XXXX points. XXXX has removed the fraudulent account, but my score still remains at XXXX. 2. Experian has not readjusted my credit score from when the account was reported on my Experian credit report, which the day before the fraudulent account was placed on my credit report, my Experian score was XXXX. After the fraudulent account was placed on my Experian credit report, my score dropped XXXX points. Experian has removed the fraudulent account, but my score still remains at XXXX. 3. XXXX never reported the fraudulent account on my XXXX credit report, HOWEVER, XXXX adjusted my credit score with them based on Experian and XXXX reporting a 'new  collection/major derogatory account '. Consequently, my credit score with XXXX dropped from XXXX to XXXX. ***Seems something inherently wrong with XXXX dropping my credit score with them based not on what was being reported on my XXXX credit report but rather what was being reported by the other XXXX reporting agencies****. Regardless, neither XXXX, Experian or XXXX have re-adjusted my credit scores to reflect that the fraudulent account was removed, which is resulting in higher interest rates for car and personal loans.
Consumer complaint received 2020-10-21
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I am unable to obtain credit from this bank. I am trying to finance a car and the dealer was told that my name is blocked in their internal system. I remember that this same bank closed by checking account out of nowhere and never told me why. I tried to call and ask about why my account was closed and they told me that they would not give me any information.
Consumer complaint received 2020-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

During the time, COVID 19 was at its worst in XXXX, XXXX, and XXXX. I called in notified XXXX XXXX that due to the pandemic, my work hours were reduced, and I needed more time to make a payment. I made an arrangement to pay in XXXX, which I did. However, they reported to the credit bureaus that my payment was late in XXXX, XXXX, and XXXX. Even though it was agreed upon, I had to make payment in XXXX. I ended up making the payment in XXXX to avoid having them continue to report late payment. I spoke to them and confirmed the agreement. However, they said they are unable to change the report.
Consumer complaint received 2017-08-07
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. (MD)

This is my SECOND COMPLAINT. I received no response to the original. My name is XXXX XXXX. My mother 's name is XXXX XXXX. We lived at the same address for some time. Her social security number has 3 digits different from mine. I submitted a dispute to the credit bureaus to have her information removed from my file. I sent them a detailed cover page with the name differences and her addresses vs. mine ( attached ). I also sent a copy of her bankruptcy filing, schedules and listing of credit items that were HERS and in HER bankruptcy. They did absolutely nothing with it. I understand there is some rule used by the bureaus that if an address is on more than one or two items, they do n't remove it..the same with names that are on the file. But this is MY MOTHER 'S information. I would like for CFPB to use this in your published articles. Credit Bureaus should not be allowed to simply say : " These companies say this is yours so tough ''. The Bankruptcy and the following accounts were included. XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX. I have included her bankruptcy schedules showing these items XXXX in HER BANKRUPTCY ... but I also sent this to the bureaus and they ignored it. This would be a very good issue to publish as it details the problems with information getting mixed up on family files.
Consumer complaint received 2020-10-21
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. (MI)

This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of XXXX, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across all three bureaus Equifax shows XX/XX/XXXX, XXXX  shows XX/XX/XXXX and XXXX  has XX/XX/XXXX. Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately. 


Account Name : DEPTEDXXXX  Account # : XXXX Account Name : US DEPT ED Account # : XXXX
Consumer complaint received 2017-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I recently filed a complaint with the CFPB about a fraudulent account that was being reported on my credit reports for XXXX and Equifax, which they have actually removed. However, a residual issue exists with that complaint. 1. Equifax has not readjusted my credit score from when the account was reported on my Equifax credit report, which the day before the fraudulent account was placed on my credit report, my Equifax score was XXXX. After the fraudulent account was placed on my Equifax credit report, my score dropped XXXX points. Equifax has removed the fraudulent account, but my score still remains at XXXX.
2. XXXX has not readjusted my credit score from when the account was reported on my XXXX credit report, which the day before the fraudulent account was placed on my credit report, my XXXX  score was XXXX. After the fraudulent account was placed on my XXXX credit report, my score dropped XXXX points. XXXX has removed the fraudulent account, but my score still remains at XXXX.
3. XXXX never reported the fraudulent account on my XXXX credit report, HOWEVER,  XXXX adjusted my credit score with them based on XXXX and Equifax reporting a 'new collection/major derogatory account '. Consequently, my credit score with XXXX dropped from XXXX to XXXX. ***Seems something inherently wrong with XXXX dropping my credit score with them based not on what was being reported on my XXXX credit report but rather what was being reported by the other XXXX reporting agencies****. Regardless, neither Equifax, XXXX or XXXX have re-adjusted my credit scores to reflect that the fraudulent account was removed, which is resulting in higher interest rates for car and personal loans.
Consumer complaint received 2020-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of XXXX, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across all three bureaus XXXX  shows XX/XX/XXXX, XXXX  shows XX/XX/XXXX and Transunion has XX/XX/XXXX. Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately. 


Account Name : DEPTEDXXXX Account # : XXXX Account Name : US DEPT ED Account # : XXXX
Consumer complaint received 2020-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: GOLDMAN SACHS BANK USA (FL)

I tried to get an Apple Card online -- I experienced nothing but frustration, and this has been 4 days of trying. The issuer is Goldman Sachs and the Sponsor is XXXX. The system is designed poorly, and the customer service is much, much worse -- I know because I have been a consumer protection lawyer for decades and have owned and run payment processing companies. 

I encountered a problem because my credit freeze was not lifted the first time applied. So I lifted the freeze and XXXX  did not implement timely. So a second fail occurred. I waited a couple of days and was assured that the freeze was lifted. I applied a third time, now that the freeze was lifted, but the processor denied my application for too many tries. 

I called customer service -- an agency working for Goldman and XXXX. They said their policy was strict -- I would have to wait 30 days and reapply. I asked why? No answer -- just " policy ''. I asked to speak to representative of the issuer ( Goldman Sachs ) -- they discouraged this but I insisted. It took 76 minutes to connect with Goldman Sachs! Same response our policy is a 30 day wait. I made the observation that they were not providing a " service '' to high credit XXXX individuals like me that were denied because of their system difficulties. There are other way to authenticate other than try two times and they are done for 30 days. They are not staffing customer support, they are giving lame excuses for a 30 day delay -- the industry standard is one day -- and they have cost me time and money. I was looking to buy XXXX products to make advantage of the discount, but my efforts have been frustrated and delayed by their system architecture, bad and non-sensical policies, and terrible staffing of customer service at the issuer. 

I was told after speaking to XXXX at Goldman Sachs that a supervisor would call me. No one followed up. 

I was told that I needed to use XXXX  if I wanted to lift my credit freeze. That is not my understanding as all three credit bureaus are to work in unison and XXXX or Goldman imposing their choice of a credit bureau on me is overstepping. Nonetheless I tried to enroll in XXXX  -- predictably they wanted a monthly fee. Their customer service said that once I was denied they would have to delete my profile and start again. It was adding insult to injury. 

Goldman is new to card issuing -- they have no business performing this service for XXXX if they cant design a consumer facing platform that applies a consumer friendly design. What sense does it make to freeze the application of a consumer that has good credit for 30 days? 

The bureau should have them justify their poor customer service staffing, and their nonsensical policies.
Consumer complaint received 2020-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I received a credit alert through credit wise starting that my score dropped -50 points due to a {$47000.00} increase in Dept. 
When I reviewed my and report there were know new dept reported. My mortgages had been paid on time so they decrease. The only increase was in credit card and it was less than {$3000.00}. 
When I added all my Dept, it has been between 165k and 167k for the last several month. The report stated that it had risen from 119k to 167k on XX/XX/XXXX. After speaking with XXXX from XXXX XXXX, he says that they must have reported score incorrectly in the past. 
This sounds like a bias move that the credit bureau has made to lower my score which in turns puts me in a less desirable category for favorable credit, interest And insurance prices.
Consumer complaint received 2020-12-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Medical Administrators, Inc (CA)

i received a letter in the mail which stated that i had a debt to pay. Hhowever i do not recognize the creditor and i am sure i do not have any debt that would be lead me to collection. I visited the website that is found on the letter and i seems like scams, so i want to report this.
Consumer complaint received 2020-09-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (OR)

My student loan processor, Nelnet, has provided me with incomplete and confusing information, in my opinion to intentionally mislead me into consolidating my loans even though this then disqualified me from Public Service Loan Forgiveness. 

I have been pay my loans since XXXX and have been enrolled in plans intentional so that I would qualify for public service loan forgiveness. 

As recently as yesterday I was again told by, this time XXXX XXXX,  that I do not have any direct loans and need to consolidate my loans again. As I started this process I was then informed by Nelnet that I do have direct loans and I would have qualified but that Nelnet consolidated my loans in XXXX and that restarted the clock on my PSLF. In XXXX I was enrolled in PSLF and also a payment plan that qualified and have always worked in public service for a qualified employer. So I asked the Nelnet worker why would anyone consolidate their loans if they are working towards PSLF. The worker reported there is no reason to have consolidated, that is does not reduce your payments and there is literally no benefit to doing this. He said many many people do consolidate and he does not know why anyone would. 

Why if there is no benefit to consolidating federal student loans other that setting back the clock on the PSLF, which is only a benefit to the loan processor are these companies allowed to mislead their consumers into consolidation. 

Again I was told I had to consolidate to qualify for PSLF, this was not true and instead it set back the clock for PSLF by 8 years. 

I believe these loan servicers are intentionally misleading consumers into these consolidations. The numbers of people that have consolidated even though, by their own admission there is literally no benefit to this is proof of this. 

Please look at the number of people that have been mislead into consolidating their student loans by predatory practices as this causes a huge amount of debt to many students, public servants and probably is responsible for great increases in the national student debt.
Consumer complaint received 2021-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Synovus Bank (MI)

I recently tried to pay off {$300.00} on my First Progress secured card and sent a check through my bank to their PO box for the amount of {$300.00}. After they received the check they only put {$100.00} on my account. I was told to confirm with the bank and provide a copy of my bank statement then fax the statement in. I spoke with my bank and they said that the check was sent for {$300.00} and was received by First Progress for {$300.00} and that the full amount has for certain been subtracted from my checking account. I then called First Progress after providing the statement and informing them what my bank had told me. After a week of troubles trying to resolve this I still am missing the {$200.00} and First Progress has been no help to me and has refused to fix this issue and keeps asking for different types of information every time I talk to a representative.
Consumer complaint received 2023-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In accordance with the Fair Credit Reporting Act XXXX  Accounts ( Transunion ) XXXX XXXX  XX/XX/XXXX ( Transunion ) XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( Transunion ) XXXX XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX has violated my rights. 

15 U.S. Code 1681 section 602 a. clearly states that I have the right to privacy.

15 U.S. Code 1681 section 604 a. ( section 2 ) clearly states a consumer reporting agency can not furnish an account without my written permission or instructions.

15 U.S.C 1692 C clearly states that Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2022-04-05
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. (MD)

I sent in multiple letters on XX/XX/2020 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability
Consumer complaint received 2020-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP (NJ)

Honda Financial reported a delinquent account on XX/XX/2020 for the amount of $ XXXX original loan amount was paid in full and this new balance previously disputed. I have requested for Honda financial to record this as disputed in compliance with the FCRA yet they have not. Attached is proof.