davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-20
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 (IL)

Bank of America claimed their credit cards came with " {$0.00} Liability Guarantee '' but they kept charging me back and making me pay for the fraudulent charge again, again and again ( three times ). XX/XX/XXXX I found a fraudulent transaction from XXXX ( {$XXXX} ) since I have never signed up or used their service, I called Bank of America and they closed out the card # XXXX issued me a new card # XXXX and on XX/XX/XXXX they credited my account for {$XXXX}. XX/XX/XXXX XXXX charged me again and I called Bank of America and the agent made a three way call to XXXX and XXXX credited me on XX/XX/XXXX. XX/XX/XXXX Fraud Dispute charged me {$XXXX} and I called Bank of America and explained the situation and the agent credited me back on XX/XX/XXXX. He told me XXXX has refunded BOA. XX/XX/XXXX Fraud Dispute charged me {$XXXX} again and I called Bank of America, the agent told me since XXXX refunded me they had to charge me back. She disregarded the fact that XXXX has charged me twice and only refunded once. I requested to speak with a supervisor and the supervisor XXXX told me they needed to close out the card to credit back. She issued me a new card # XXXX and credited me back on XX/XX/XXXX. The entire phone call lasted almost two hours! XX/XX/XXXX Fraud Dispute charged me {$XXXX} the third time, I called XX/XX/XXXX and explained the whole story again to an agent XXXX and then to Supervisor XXXX in Arizona. He told me the case was in the claim department and I would get credit by the statement closing date which was XXXX XXXX. But this was not true as they have never credited me back. I filed this complaint for the following reasons : 1 Bank of America allowed an unauthorized transaction to occur and this was the second time. ( The first time was in XX/XX/XXXXwith the same account. ) And this time they are not making good on their terms " {$0.00} Liability Guarantee ''. 2 Every time they change a card number I have to update all my payment information. 3.Bank of America sent me total 4 letters telling me why they needed to charge me but none of the letter has a name that I can contact. And every phone call take more than an hour! In summary these are the transactions on my statements : XXXX XXXX charged XXXX XXXX Fraud dispute credited XXXX ( closed out card and issued new one ) XXXX XXXX charged XXXX XXXX XXXX refunded XXXX XXXX Fraud dispute charged XXXX XXXX Fraud dispute credited XXXX XXXX Fraud dispute charged XXXX XXXX Fraud dispute credited XXXX ( called XXXX closed out card and issued new one ) XXXX Fraud dispute charged XXXX XXXX called XXXX XXXX ( supervisor ) in AZ said this case was in claim dept and they would credit back by XXXX statement closing date. But it has never credited back.
Consumer complaint received 2021-06-24
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: BARCLAYS BANK DELAWARE (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2017-08-20
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: Navient Solutions, LLC. (MO)

Navient keeps adding disputes on my credit report.I contacted navient about the problem in XXXX on a conference call.They stated that they removed the 90 days last disputes on XXXX XXXX 2017.These disputes are fraudulent by navient because I was in deferment and forbearance during these times.Navient was not supposed to mark my credit and add 90 days late and disputes during this time.The agent told us that they removed the disputes and was sending me information about the disputes being removed.Instead navient sent me papers about deferring and forbearance of my loans.
Consumer complaint received 2021-10-04
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Experian has continued to violate the FCRA by continuing to refuse in deleting incorrect as well as inaccurate information from my reporting. I am not asking for another dispute or investigation, I want this inaccurate information removed from my credit, XXXX just removed this account based on the information they received from E Oscar & I know this is the same data furnisher theyre using. It is against the law to continue to report information that shouldnt be on the report.
Consumer complaint received 2017-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

24 inquiries on credit on XXXX that. I was victim of them placing and removing and replacing on my report and the refuse to remove them. Or take care of this issue! Please fix this!
Consumer complaint received 2017-08-20
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NC)

On XX/XX/XXXX, I went to XXXX XXXX in XXXX, North Carolina to trade in my XXXX XXXX XXXX for a XXXX XXXX. The trade-in/deal was successful with no issues and the payoff check for {$26000.00} was sent to Nissan Motors Acceptance Corporation ( NMAC ) on XX/XX/XXXX. The check was cleared on XX/XX/XXXX and it was processed by NMAC on XX/XX/XXXX. Upon processing, my auto loan with NMAC was closed as it was paid in full and was reported to all three credit bureaus with the same status. On XX/XX/XXXX, I received a notification on the XXXX XXXX app on my XXXX and saw that the loan had reopened this month and I lost 40 points towards my XXXX score, 8 on my XXXX  and 10 on my XXXX score. It was also reported that I have three late payments when I never had a late payment during my time with NMAC ( I purchased the Nissan brand-new in XX/XX/XXXX from XXXX XXXX in XXXX, NC ). I spoke to three different representatives from NMAC over the phone and each time the rep could n't explain why my auto loan account reopened and promised to call me back with any updates but never received a callback. On XX/XX/XXXX, I went to XXXX XXXX & spoke to the payoff clerk who handles the payoff checks and she confirmed with me that not only that the payoff check cleared with XXXX 's bank but the XXXX has since been sold and when the payoff check was cleared on Nissan 's end, NMAC sent XXXX XXXX the title of the car.
Consumer complaint received 2022-02-09
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. (CT)

My name is XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS/LATE PAYMENTS/INQUIRIES AND INACCURATE ADDRESSES from my credit report immediately.
Consumer complaint received 2016-08-29
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (MI)

I am finding out my house got sole last week I got a modification offer from Ocwen 1st payment due XXXX 2016 next due XXXX 2016 I did not understand it said i owed XXXX with a XXXX Balloon also showed my escrow of XXXX my escrow was and is XXXX I ask them to explain they said were getting me the infomation I keep calling over and over the same thing and when I called on XXXX XXXX, I was told since i did not pay in XXXX the Mod was off I ask to explain what i have and would have paid if they got back to me and why can i not make both payments so again they would check into it and get back with me. I been calling and got a call from a realtor yesterday my house was sold back to the bank and he wanted to give me money to sell it I was never told it was being we have good jobs and can pay for it this was my grandmother home the only place me and my kids have lived i been paying on this mortgage for 11 years I do n't know what to do Please help me save my home!!!!
Consumer complaint received 2018-06-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCC Business Services, Inc. (TX)

The company opened two collections on my account about the same thing. they are trying to hit my score two times. I have contacted them and they say it is was in their power to open two different accounts for the same thing. The same account that is from the original debt is reported twice. Please check the place you will see it is the same account the company is mis representing the amount and causing double jeopardy on my report. This is blanket to hit my credit score. Please report them. Also they will not send out the full information to me. If you look at the report it is from XXXX XXXX XXXX.  BOTH the same date and almost the exact amount. The company has been reported for this before. I have attached also where they have clearly been shown disputed and removed by one reporting agency. Please advice would love to take to court. Thanks for your time.
Consumer complaint received 2017-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

Immediately following my successful Chapter XXXX discharge, I wrote a letter and provided a hard copy of my chapter XXXX information. This information included, Discharge Letter, Final Cure of my XXXX XXXX XXXX  Debt, all creditors that had and had not responded to the trustee at the meeting of creditors. All three credit reporting agencies received this document in XXXX 2017, however when I attempt to apply for credit the main reason for denial is " SERIOUS DELINQUENCY ON ACCOUNTS ''. The other issues are because of too many inquiries ( Which is correct ) and derogatory public information. ( Chapter XXXX discharge is also correct. ) XXXX XXXX XXXX XXXX is still not being reported on any of my credit reports and they have also been contacted by mail, email and phone. I have been making on time payments to this company and continue to make payments. Looking at the denial letter and going to the credit reporting agencies does not give me the information that is showing the reason for denial. There is NO DELINQUENT ACCOUNT information for me to view or dispute. But I am being dinged for this very reason.
Consumer complaint received 2017-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

I was contacted by XXXX mail on XX/XX/XXXX stating " There 's still time let 's talk then I also received a phone call from the manager named XXXX on XX/XX/XXXX asking me to come into the office. As I told him I lost everything in the wildfires here in Tennessee in XX/XX/XXXX, then my father ( XXXX XXXX ) XXXX XXXX in XX/XX/XXXX, and my mother ( XXXX XXXX ) XXXX XXXX in XX/XX/XXXX ( three months XX/XX/2017 apart with no life insurance ) and told him that I also had to pay my part back to the relatives for their funeral and I still have to get a head stone for both of them, he proceeded to tell me that those things can wait. Now suffering from XXXX I have quite a few doctors appointments but I did get by the office within that following week. XXXX XXXX XXXX is now trying to state that they could not offer my mother life insurance because of her age but in the document we both paid in life insurance on the loan. If they could not give my mother life insurance then that would be discrimination. The loan is also secured with my mothers vehicle and I have noticed on my credit reports they have it listed unsecured and secured when they keep reporting and destroying my credit ( that I am trying to repair ). When I walked into the office here in XXXX, TN XXXX seen me and all she told me was " it left her office this morning ''. They kept a copy of my mothers ( XXXX XXXX ) XXXX certificate and the office it supposedly went to the gentlemen could not pull it up on the internet so I did not have a phone number or address although it has an Indiana address on my credit reports. The address is XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX with a phone number XXXX. I 'm XXXX and on a fixed income and this company does not seem to be doing business properly. I have included my mothers XXXX certificate ( which she is the co-applicant insured and had her vehicle as collateral. I also highlighted the area of this contract where we paid insurance on this loan with both of our signatures. The account number on this XXXX XXXX loan is XXXX. Can you please investigate this loan and this company because they keep on reporting to all three credit bureaus as much as possible it seems only to hurt me and my financial future. If you need anything further than what I provide please let me know. Thank you very much in advance. XXXX XXXX. Also can you please have them stop reporting also until this investigation is resolved?
Consumer complaint received 2017-10-17
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (FL)

1. Navient made predatory loans to students attending schools with graduation rates of less than 50 percent, expecting students wouldnt be able to repay their loans.

2. Navient used a baited hook with subprime loans to become a preferred lender for many schools and increase its volume, even though it knew subprime student loan borrowers would likely default.

3. After the implementation of income-driven repayment ( IDR ), Navient knowingly steered borrowers toward forbearance instead of counseling them about more affordable repayment plans.
Consumer complaint received 2020-07-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: PNC Bank N.A. (NJ)

PNC Bank does not work with XXXX  to link my bank account and use a service such as XXXX. I want to purchase Tires from XXXX and use XXXX to split the almost {$800.00} bill into 4 monthly payments, and take advantage of 0 % interest. I am unable to do so due to PNC Bank and XXXX 's current disputes
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am having issues with my credit score but theres no way for me to dispute my actual score. I check my credit score regularly to keep up with any changes. I checked my score today on XXXX XXXX and it dropped a whole XXXX points for no apparent reason. No new accounts, no new collections, no new inquiries etc. the only change to my report is the decreasing of the balances on my credit cards and loans. I have two collections on my report and I did max out my credit cards but my credit score has already been affected by these accounts as it dropped dramatically because of these things. Since then Ive been making payments on my open accounts every month on time. My balances have decreased. And my credit score was going up. Now all of a sudden a whole XXXX point drop with no new negative information added to my credit report. I called XXXX and they can only tell me about the things that Im already aware of. They keep telling me that I got collections on my account but I keep telling them that that has been there and those collections already affected my score and dropped it dramatically. They keep telling me about my utilization rate ( which is high since I did max out my cards ) but once again my utilization rates has been steadily decreasing since I have been paying off my balances. The fact is I have been paying off my balances on time every month without a single missed payment, my score was bouncing back from the initial dramatic drop which I understood due to my financial actions. There has only been positive information going into my credit report at this point with nothing new except on time payments. None of my accounts were closed. I still have all of my accounts revolving. I have been working too hard to build my credit simply due to the fact I have a child on the way and me and my fiance are trying to get a home for our family. This happening to my credit has made it difficult to do the things we need to do. There is nothing right or fair about this. And there not one viable explanation to why my score would just drop for no apparent reason. I have a hard time believing that this is even legal when so much our lives as citizens of this country rely on our credit scores. To be able to drop someones credit score for no apparent reason and make life harder with no explanation, with no new negative information. I really need help understanding this cause this has changed all of my plans and the time frame I had to complete these plans. Come someone please help me because talking to the credit bureaus is no help at all cause it seems like they barely know how things work.
Consumer complaint received 2021-09-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (PA)

I received 3 emails from Chase Bank on XX/XX/2021 at XXXX XXXX  that I thought were fake. When I called Chase Bank that day, I told the representative about my concern and he stated there was nothing he could do because I wasn't a chase customer and to send the emails to chase 's phishing email, which I did right after. On ( XX/XX/2021 ) I received a letter in the mail stating they updated my address and email. I called the bank because I thought it was fake where the woman confirmed someone opened a checking account and debit card on ( XX/XX/2021 ). That same day I called all three credit bureaus for credit freezes and fraud alerts. The next day on XX/XX/2021 I filed a police report to dispute the bank account. The account was closed on XX/XX/2021. I then remembered that earlier this past spring, I reached out to my state representative for help because my weekly claims needed additional information to be processed. I then found out someone called unemployment ( I never had before ) tried to change things, such as my address claiming to be me. Unemployment wanted me to submit copies of my ss and my driver 's license on their website but I didn't feel comfortable because someone possibly got into my account and has my personal information. On XX/XX/2021 a representative from unemployment reached out to me for possible fraud on my account and I was informed my claim was a 'hijack claim. ' During the conversation, we discovered my claim was hijacked and my information was stolen from the XXXX XXXX. Into further inspection, the fraudulent bank account was linked to my unemployment for direct deposit, but they didn't receive payments due to my claim weeks needing more information for my address. Unemployment also told me there was another bank account at Chase Bank with my information and could only give me the last 4 numbers of the account but the woman confirmed my information was also linked to this new account I was told about. Then I called Chase right away in which they denied the account stating it was a profile that was not approved, or not established or no movement on the account. Additionally, Chase has not handled this issue correctly at all and I don't know where to begin. I swear Chase made this process so hard so I didn't close this account and can not believe they are allowing this online method to open accounts to occur since that is where the fraud is happening. Someone tried to open another account at Chase Bank but was denied due to the fraud alert but they wouldn't tell me the day this happened. I have had to spend close to 10 hours or more on the phone due to supervisors telling me wrong information, not being told about a profile being created the same day as the bank account, and their customer service representatives giving me personal information from the fraudulent bank account that wasn't allowed to be given out ( later found out from a supervisor ).
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX the financial institution and the Consumer reporting agencies XXXX, Transunion, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, Transunion, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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.